Tool

Lean, Regular & Fat FU

FU money comes in sizes. Compare three lifestyles side by side and decide which freedom you're aiming for.

Safe withdrawal rate (each number = spending ÷ this)

4.0%

Every tier needs 25× its annual spending.

Lean FU

Minimalist freedom

Annual spending

Regular FU

Comfortable freedom

Annual spending

Fat FU

No-compromise freedom

Annual spending

Calculate your exact number

How the math works

Each tier's number is its annual spending ÷ your withdrawal rate (25× at 4%). The default tiers are just starting points — edit each one to match what "lean," "regular," and "fat" mean for your life. Estimates only — not financial advice.