Calculate your financial independence number and see what early retirement actually looks like. This free FIRE calculator uses AI to write a personalized retirement story based on your savings, spending, and where in the world you want to live — with cost-of-living adjustments for hundreds of cities.
Explore cost-of-living adjusted retirement spending for popular expat destinations. Our retire abroad calculator shows you how much less (or more) you'd need to retire in cities like:
Your FIRE number is the amount of money you need invested to live off the returns indefinitely. It's typically calculated as your annual expenses multiplied by 25, based on the 4% safe withdrawal rate. Once your investments reach this number, you've hit financial independence and can choose to retire early.
The 4% rule is a guideline stating you can withdraw 4% of your portfolio in the first year of retirement, adjusting for inflation each year, with a very high probability of your money lasting 30+ years. With $1,000,000 invested, that's $40,000 per year.
Absolutely. Moving to a city with a lower cost of living can cut your FIRE number by 30–60%. Retiring in Chiang Mai, Lisbon, or Taipei could let you reach financial independence years earlier than staying in a major US city.
Early retirement means having the freedom to choose how you spend your time — passion projects, travel, volunteering, or simply a slower pace of life. This calculator generates a personalized AI story showing what your specific retirement could look like.
It depends on your annual spending and location. The common formula is annual expenses × 25. In the US that might mean $1–2M, but retiring abroad in Portugal, Thailand, or Taiwan could lower it to $400K–$800K. Use this calculator to get your personalized number.