FIRE Retirement Calculator
You can retire earlier than you think.
Enter a few numbers to see how many years until FIRE. Simpler than you think. All figures use real returns (inflation-adjusted).
Your Situation
Your Investing Strategy
Strategy preset
※ Returns are estimated 10-year annualised figures (2016–2026) based on publicly available market data, not exact historical performance. For illustrative purposes only — not investment advice. Past performance does not guarantee future results.
Investment return
%
Inflation rate
%
Your Retirement
Withdrawal rate4%
Your Projection
FIRE Target
1.2M
Years to FIRE
27.0 yrs
Retirement age
57.0
Current progress7%
80K1.2M
At FIRE — how you'll get there
Total deposited
620K
Investment returns
580K
Faster Retirement Plan
See how relocating could help you reach financial independence sooner.
I currently live in
Cost of Living + Rent Index in 🇺🇸 New York: 100.0 (NYC = 100) · Find your city on Numbeo ↗
| City | Cost Index | Adj. Expenses / yr | Retire Earlier | Retire At |
|---|---|---|---|---|
🇺🇸 New YorkCurrent Plan United States | 100.0 | 48K | 0 yrs | 57.0 |
🇲🇾 Penang MalaysiaBest Best Retirement Destination Malaysia My Second Home (MM2H) visa, English widely spoken, modern infrastructure, and one of Asia's lowest costs of living. | 22.3 | 11K | -20.0 yrs | 37.0 |
🇹🇭 Chiang Mai ThailandBest Best Retirement Destination Year-round warmth, ultra-low cost of living, excellent private hospitals, and a deeply welcoming culture for retirees. | 24.0 | 12K | -20.0 yrs | 37.0 |
🇲🇾 Kuala Lumpur MalaysiaBest Best Retirement Destination Malaysia My Second Home (MM2H) visa, English widely spoken, modern infrastructure, and one of Asia's lowest costs of living. | 26.9 | 13K | -18.7 yrs | 38.3 |
🇲🇽 Mérida MexicoBest Best Retirement Destination Huge expat communities, close to the USA, diverse regions from beach towns to colonial cities, and world-class cuisine. | 30.1 | 14K | -17.3 yrs | 39.7 |
🇹🇭 Bangkok ThailandBest Best Retirement Destination Year-round warmth, ultra-low cost of living, excellent private hospitals, and a deeply welcoming culture for retirees. | 31.6 | 15K | -17.0 yrs | 40.0 |
🇬🇷 Thessaloniki GreeceBest Best Retirement Destination Mediterranean lifestyle, low cost of living, thriving expat communities on islands like Corfu, and affordable modern healthcare. | 35.9 | 17K | -15.3 yrs | 41.7 |
🇲🇽 Mexico City MexicoBest Best Retirement Destination Huge expat communities, close to the USA, diverse regions from beach towns to colonial cities, and world-class cuisine. | 37.9 | 18K | -15.0 yrs | 42.0 |
🇪🇸 Alicante SpainBest Best Retirement Destination Mediterranean sun, advanced public healthcare, and a vibrant social life — especially affordable outside Madrid and Barcelona. | 38.1 | 18K | -15.0 yrs | 42.0 |
🇵🇦 Panama City PanamaBest Best Retirement Destination USD economy, generous Pensionado program (20–50% discounts for retirees), modern infrastructure, and diverse climates from city to mountain. | 38.4 | 18K | -14.8 yrs | 42.2 |
🇨🇷 San José Costa RicaBest Best Retirement Destination "Pura Vida" lifestyle, stable democracy, lush nature, and excellent private healthcare at a fraction of US costs. | 39.3 | 19K | -14.1 yrs | 42.9 |
🇵🇹 Porto PortugalBest Best Retirement Destination Safe, sunny, and affordable. NHR tax benefits for foreign income, warm Atlantic coast, and a welcoming expat scene. | 40.5 | 19K | -14.0 yrs | 43.0 |
🇬🇷 Athens GreeceBest Best Retirement Destination Mediterranean lifestyle, low cost of living, thriving expat communities on islands like Corfu, and affordable modern healthcare. | 40.2 | 19K | -14.0 yrs | 43.0 |
🇪🇸 Tenerife SpainBest Best Retirement Destination Mediterranean sun, advanced public healthcare, and a vibrant social life — especially affordable outside Madrid and Barcelona. | 39.6 | 19K | -14.0 yrs | 43.0 |
🇮🇹 Naples ItalyBest Best Retirement Destination La dolce vita — rich culture, exceptional food & wine, and special flat-tax regimes for retirees relocating to smaller towns. | 43.9 | 21K | -13.0 yrs | 44.0 |
🇫🇷 Montpellier FranceBest Best Retirement Destination World-class universal healthcare, exceptional quality of life, and far more affordable in smaller cities like Montpellier. | 46.1 | 22K | -12.0 yrs | 45.0 |
🇵🇹 Lisbon PortugalBest Best Retirement Destination Safe, sunny, and affordable. NHR tax benefits for foreign income, warm Atlantic coast, and a welcoming expat scene. | 47.2 | 23K | -12.0 yrs | 45.0 |
🇮🇹 Rome ItalyBest Best Retirement Destination La dolce vita — rich culture, exceptional food & wine, and special flat-tax regimes for retirees relocating to smaller towns. | 50.7 | 24K | -11.0 yrs | 46.0 |
🇮🇹 Florence ItalyBest Best Retirement Destination La dolce vita — rich culture, exceptional food & wine, and special flat-tax regimes for retirees relocating to smaller towns. | 52.3 | 25K | -10.5 yrs | 46.5 |
🇫🇷 Paris FranceBest Best Retirement Destination World-class universal healthcare, exceptional quality of life, and far more affordable in smaller cities like Montpellier. | 62.9 | 30K | -8.0 yrs | 49.0 |
Based on Numbeo 2026 Cost of Living + Rent Index. Assumes expenses scale proportionally with cost of living. For illustrative purposes only. · Best rankings: International Living ↗
Frequently Asked Questions
- What is FIRE (Financial Independence, Retire Early)?
- FIRE stands for Financial Independence, Retire Early. The goal is to accumulate enough invested assets that the passive returns cover your living expenses — making paid work optional. You reach FIRE when your portfolio is large enough to sustain your lifestyle indefinitely, typically measured using the 4% rule.
- What is the 4% rule?
- The 4% rule (from the 1998 Trinity Study) states that withdrawing 4% of your portfolio each year gives you a historically high probability of not running out of money over a 30-year retirement. This means your FIRE number is 25× your annual expenses. For example, if you spend $50,000 per year, you need $1,250,000 invested to retire.
- How is my FIRE number calculated?
- Your FIRE number is calculated as: Annual Expenses ÷ Withdrawal Rate. Using the 4% rule, this simplifies to Annual Expenses × 25. This calculator computes your FIRE number automatically based on your annual expenses and chosen withdrawal rate — adjust the withdrawal rate slider to see how a more conservative or aggressive rate affects your target.
- Why does this calculator use inflation-adjusted (real) returns?
- All projections use real returns (investment return minus inflation rate). This keeps every figure in today's purchasing power, so your FIRE target represents what that money is actually worth now — you don't need to separately estimate how inflation will erode your future nest egg. A 7% nominal return with 2% inflation is equivalent to a roughly 5% real return.
- What is geo-arbitrage and how can it accelerate retirement?
- Geo-arbitrage means relocating to a city or country with a lower cost of living so your savings stretch further. If moving from New York to Lisbon cuts your annual expenses by 40%, your FIRE number shrinks by 40% too — and you may retire years earlier. The Faster Retirement Plan section below the calculator shows exactly how many years earlier you could retire in over 50 destinations worldwide, using Numbeo's 2026 Cost of Living + Rent Index.
This calculator is for illustrative purposes only. Results are based on simplified assumptions and do not constitute investment or financial advice. Actual returns vary with market conditions. Consult a qualified financial adviser for personalised guidance.