计算了什么
基于支出的四条路径共用你选择的提取率。Coast FIRE 用名义回报与可选通胀调整，把未来的 Traditional FIRE 目标折算到今天；达标时间采用平滑、确定性的增长路径。
FIRE 基础 · LEVEL 1
五种 FIRE 路径，一个可调整的基线。
调整你的支出和提取率假设，再比较 Lean、Traditional、Fat、Coast 与 Barista FIRE 背后的资本。
YOUR BASELINE
One life. Five ways to fund it.
Use today's dollars. These estimates illustrate planning trade-offs, not investment advice.
YOUR TRADITIONAL FIRE NUMBER
$1,000,000At a 4.0% withdrawal rate, this is the portfolio designed to support $40,000 of annual necessary spending.FIVE PATHS, ONE VIEW
How much capital does each path ask for?
Coast is shown as the capital required today; its future target is the same as Traditional FIRE.
| FIRE path | Assumption | Portfolio number | Estimated time | What it represents |
|---|---|---|---|---|
| Lean FIRE | $28,000 annual spending | $700,000 | 15.0 years | A deliberately leaner version of your baseline. |
| Traditional FIRE | $40,000 annual spending | $1,000,000 | 20.1 years | Your full current necessary-spending baseline. |
| Fat FIRE | $64,000 annual spending | $1,600,000 | 27.7 years | More room for comfort, choice and extras. |
| Coast FIRE | 20 years at 7.0% nominal growth | $383,997Future target: $1,000,000 | 7.7 yearsThen grow for 20 years | Capital needed today to grow into an inflation-adjusted future target. |
| Barista FIRE | $500 / month flexible income | $850,000 | 17.7 years | Portfolio needed while flexible income covers the rest. |
YOUR CURRENT DIRECTION
Which path are you exploring?
This is not a commitment. Saving a baseline simply gives your future check-ins something calm and concrete to compare with.
You can change this choice whenever your plans change.
TIME AND CAPITAL
What can your portfolio grow into?
Each colored line uses the same current portfolio, monthly contribution, nominal return and inflation assumptions. It stops at that path's inflation-adjusted target.
Lean FIRE$700,000 · 15.0 years
Traditional FIRE$1,000,000 · 20.1 years
Fat FIRE$1,600,000 · 27.7 years
Coast FIRE$383,997 · 7.7 years
Barista FIRE$850,000 · 17.7 years
The time chart assumes $150,000 invested today, $1,500 invested each month, 7.0% nominal annual return and 2.0% annual inflation. Spending rises with inflation; new investments also rise with inflation. Return and withdrawal-rate assumptions are uncertain.
如何理解
FIRE 不是一条终点线。
每条路径改变的杠杆不同：资助的生活方式、投资可复利的时间，或你仍选择保留的收入。计算器让取舍可见，但不会假装任何提取率或回报是有保证的。
模型说明
先验证模型，再信任结果。
- 模型版本
- 1.1
- 最近复核
复算一个结果
若年支出为 $40,000、提取率为 4%、Lean 为 70%、Fat 为 160%，灵活收入为每月 $500，则 Lean、Traditional、Fat、Barista 目标依次为 $700,000、$1,000,000、$1,600,000、$850,000。若回报 7%、通胀 2%、期限 20 年，今天的 Coast 资本为 $383,997。
没有声称什么
模型不模拟真实市场顺序、税费、资产配置、医疗冲击或收入中断。提取率是情景输入，不是保证安全的比例。
证据摘要
这个工具建立在什么基础上？
五种 FIRE 路径计算器. 用同一组透明的支出、回报与提取率假设比较 Lean、Traditional、Fat、Coast 和 Barista FIRE。
这是对实现依据的公开说明，并非专业认证。假设与边界比一个背书标志更重要。 更正原则.
- 模型版本
- 1.1
- 最近复核
- 证据基础
- 使用你的输入与公开公式
- 数据状态
- 无实时数据；结果只随你的输入变化
- 决策敏感度
- 财务假设会显著影响结果
引用此工具
让读者可以回到同一个版本。
复制的引用包含工具名称、模型版本、复核日期与稳定网址。引用不代表 Rich2Fire 对第三方内容的认可。
Rich2Fire. (2026). 五种 FIRE 路径计算器 (model version 1.1, reviewed 2026-10-10). https://rich2fire.com/zh/tools/five-fire-paths-calculator