Compare All Paths
Find the approach that fits your situation.
| Traditional | FIRE | LeanFIRE | FatFIRE | |
|---|---|---|---|---|
| Retire at | 60 | 40–50 | 35–45 | 45–55 |
| Savings rate | 15–20% | 40–60% | 50–70% | 40–50% |
| Monthly spending in retirement | ฿40k–฿70k | ฿40k–฿60k | ฿25k–฿35k | ฿100k–฿200k |
| FIRE Number (THB) | ฿12M–฿21M | ฿12M–฿18M | ฿7.5M–฿10.5M | ฿30M–฿60M |
| Portfolio approach | Conservative–Balanced | Growth–Aggressive | Aggressive | Growth–Balanced |
| Pace / intensity | Low–Medium | High | Very High | High |
| Key trade-off | Less early freedom | Less spending now | Less cushion | Needs high income |
The right questions to ask
How much time do I want to exchange for how much money? Traditional gives you more time enjoying life now; FIRE gives you more time later. Neither is wrong.
What does my retirement actually look like? Before you calculate a FIRE Number, describe the life. Do you eat out every day? Do you travel internationally? Do you support parents? The numbers follow the vision.
What are my actual obligations? Parental support, children’s education, and healthcare for ageing parents are real financial commitments. A plan that ignores them is not a plan — it is a wish.
The Thai middle path
Many Thai planners end up somewhere between Traditional and FIRE. You work until 50–55 (not 40, not 60), live comfortably (not lavishly, not austerely), and retire with enough for the life you value. Set retirement age in Profile, build the budget category by category in Expenses, then use Simulation to test how major life events change the path.
A note on uncertainty
All four paths rest on projections of the future. RetireReady shows you a range (±2% on annual returns) rather than a single number, precisely because the future is uncertain. The goal is not a perfect number. The goal is enough clarity to make a deliberate decision today, then revisit it as your life changes.