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FIRE lifestyle types
Financial Independence, Retire Early (FIRE) is not one-size-fits-all. The lifestyle you plan for after FI shapes how large your portfolio needs to be and how quickly you can get there.
Lean FIRE
Lower spending lifestyle. Reach financial independence sooner with a smaller target portfolio.
Example monthly expenses: NPR 50,000–100,000
Best when you are comfortable optimising expenses, value time freedom over luxury, and can sustain a lean budget long term.
Traditional FIRE
Recommended for most usersBalanced lifestyle with comfortable spending and sustainable long-term planning.
Example monthly expenses: NPR 100,000–250,000
A practical default for many households: enough cushion for normal life events without requiring an oversized portfolio.
Fat FIRE
Premium lifestyle with higher spending, larger safety margins, and a bigger retirement portfolio.
Example monthly expenses: NPR 250,000+
Suited if you want generous travel, help for family, or extra buffers so market dips stress you less — with the trade-off of a longer accumulation phase or higher savings rate.
At a glance
| Type | Spending | FIRE Target | Speed |
|---|---|---|---|
| Lean FIRE | Low | Lower | Faster |
| Traditional FIRE | Medium | Medium | Balanced |
| Fat FIRE | High | Higher | Slower |
Examples are illustrative ranges in NPR for planning context only. Your actual FI number depends on return assumptions, inflation, taxes, and withdrawal rate — use the FIRE Nepal calculators to stress-test your plan.