FIRE Calculator
Calculate your Financial Independence Retire Early number and see how geographic arbitrage can accelerate your path to freedom by 10+ years.
Current Situation
Investment Assumptions
Historical S&P 500 average: 10% nominal, 7% real
Historical US average: 2-3%
Target FIRE Location
NHR tax regime for 10 years
Your FIRE Numbers
Your FIRE Gap
Geographic Arbitrage Advantage
⚠️ Critical Runway Warning
Your current savings will only last 2 years at your target lifestyle in Portugal. This is not sustainable.
Immediate Actions:
- Reduce expenses by 30-50% to extend runway
- Consider cheaper countries (Albania, Georgia, Vietnam)
- Take part-time work to cover living expenses (Barista FIRE)
- Increase savings rate to build portfolio faster
How to Extend Your Runway
- •Increase savings rate: Every 10% increase can shave 5+ years off FIRE timeline
- •Side hustle: Extra $500-$1k/month adds $6k-$12k/year to investments
- •Test destinations: Spend 2-3 months in target countries before committing
- •Tax optimization: Structure income for 0-10% effective tax rate post-FIRE
- •Start remote work: Transition to location-independent income before FIRE
Ready to Start Your FIRE Journey?
Get personalized strategies, destination guides, and tax optimization tips.
Join Our NewsletterFIRE Numbers by Country
| Country | Monthly Budget (Lean) | FIRE Number | Tax Rate |
|---|---|---|---|
| 🇺🇸United States (HCOL) | $5,000 | $1,500,000 | 15-25% |
| 🇺🇸United States (LCOL) | $3,000 | $900,000 | 10-20% |
| 🇵🇹Portugal | $2,500 | $750,000 | 0-10% |
| 🇪🇸Spain | $2,200 | $660,000 | 15-24% |
| 🇲🇽Mexico | $1,500 | $450,000 | 0-15% |
| 🇹🇭Thailand | $1,800 | $540,000 | 0% |
| 🇬🇪Georgia | $1,200 | $360,000 | 0% |
| 🇻🇳Vietnam | $1,400 | $420,000 | 5-10% |
| 🇨🇴Colombia | $1,300 | $390,000 | 0-10% |
| 🇲🇾Malaysia | $1,600 | $480,000 | 0% |
| 🇮🇩Bali, Indonesia | $1,500 | $450,000 | 0-5% |
| 🇧🇬Bulgaria | $1,400 | $420,000 | 10% |
| 🇦🇱Albania | $1,000 | $300,000 | 0-10% |
| 🇦🇷Argentina | $1,200 | $360,000 | 5-15% |
| 🇹🇷Turkey | $1,300 | $390,000 | 0-15% |
Disclaimer: This calculator provides estimates for educational purposes only. Actual results will vary based on market performance, inflation, tax laws, personal circumstances, and lifestyle choices. FIRE calculations assume consistent contributions, average market returns, and stable expenses-all of which can fluctuate. Consult a qualified financial advisor before making investment decisions. See our full disclaimer.