FIRE Calculator

Financial Independence, Retire Early — Monte Carlo simulation & geographic arbitrage analysis.

Your Finances
Age 30
Savings $50,000
Annual Income $75,000
Savings Rate 30%
Annual Expenses $40,000
Return Assumptions
Expected Annual Return 7%
Safe Withdrawal Rate 4%
Inflation 2.5%
Portfolio Volatility 15%
Geographic Arbitrage

Retiring abroad can slash expenses & accelerate FIRE by years.

🇵🇹Portugal
NHR tax regime, Lisbon/Algarve
~45% cheaper
🇲🇽Mexico
Digital nomad hub, US proximity
~55% cheaper
🇹🇭Thailand
Southeast Asia, low cost
~65% cheaper
🇪🇸Spain
Mediterranean, EU access
~30% cheaper
🇨🇴Colombia
Medellín — ultra-low cost
~70% cheaper
Enter your numbers & hit Calculate

500 Monte Carlo simulations show your real probability of financial independence at different time horizons.

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FIRE Number
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Years to FIRE
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Retirement Age
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Annual Savings
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Monthly FIRE Income
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Portfolio at FIRE
Monte Carlo Results (500 simulations)
30-yr success-
40-yr success-
50-yr success-