Have you ever wondered how much you would need to be financially independent and retire early? Or to live anywhere else in the world, indefinitely? The following FI number calculator gives exactly that.
Your FIRE Number: How Much You Need — and How Long It Will Take
Estimate how much money you need to reach financial independence — and how many years it may take, based on your current savings and savings rate.
Your FIRE Results
Your FIRE number: —
Estimated years to Financial Independence: —
Note: A commonly used assumption in FIRE planning is a 6% expected annual real return on a well-diversified portfolio and a 4% safe withdrawal rate.
Your FIRE Results with Geoarbitrage
Geo-arbitrage FIRE (with cost-of-living adjustment) in Mexico
Adjusted FIRE number: —
Estimated years to Financial Independence: —
US Baseline
Your Monthly Expenses: —
Your Annual Expenses: —
Your "Financial Independence" Number in the US: —
Your Global FIRE Costs in the Top 25 Countries for Expats
| Destination | COL vs US | Monthly Expenses | Your "Geoarbitraged FI" Number |
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Assumptions: 4% withdrawal rate on a well diversified portfolio of 50% stocks, 45% bonds, and 5% cash based on research from the Trinity Study (1998) and updated research by William Bengen.
Lean FIRE & Coast FIRE snapshot
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Lean FIRE target option in US (simpler lifestyle at ~80% of your current spending): —
What if you FIRE'ed today?
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Simply enter your current cost of living, assets, and how much you’ll continue to save monthly to get your FIRE number for where you are now, and for the top 25 countries for expats.
You can also use this tool to estimate how many years it may take to reach financial independence, based on your current savings rate and expected investment returns.
Or, click here for a more detailed walk through of how to calculate your “FIRE number”
Other great tools to supercharge your FI planning…
Curious about how long you’ll live (and what withdrawal rate to choose)?
First, according to William Bengen, a researcher who pioneered the idea of the “4% rule” you should choose a withdrawal rate that accounts for your money to last at least 5 years longer than your life expectancy.
The chart below lists the “safe withdrawa rates” to use (how much of your assets you can safely withdraw each year) aligned with how many years you can expect the assets to last at that chosen rate.
Withdrawing 4% per year will likely allow your assets to last 50+ years, according to Bengen’s recent research.
Use a calculator to estimate your life expectancy for financial and health planning purposes
Ensuring your money outlives you is important in retirement, FI, and FIRE. To achieve this, you not only want need to know your money numbers, but also your life expectancy. The best way to estimate your life expectancy is with a life expectancy claculator – that takes into account your personal background, lifestyle, habits, and family history.
While any good life expectancy calculator will do, I like the life expectancy calculator at https://www.kamalama.org.
Again, when using your life expectancy for personal finance calculations, be sure to add at least 5 years.
Great related FIRE reading:
- How to Calculate Your FIRE Number to Retire Early Abroad, or at Home
- 82 Great Long Term Visa Options for Expats and Nomads
- Essential Residency and Visa Tips: What to know before you apply
- 15 Low Income Digital Nomad Visa Options
- Crucial things to do before moving to another country
- Why more Americans are finding the American Dream abroad, and how they’re doing it
Guides to Achieving Financial Independence
- How to achieve Financial Independence & Retire Early
- Barista FIRE Guide: Semi-Financial Independence
- Expat FIRE Guide: Living abroad with geoarbitrage to retire early
- Nomad FIRE Guide: Achieving financial independence by traveling around the world
- Coast FIRE (Coming Soon)
FIRE Calculators
- FIRE Calculator | How much do you need to retire early?
- Expat FIRE Calculator
- Nomad FIRE Calculator
- Lean FIRE Calculator
- Coast FIRE Calculator
- Barista FIRE Calculator
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ABOUT THE AUTHOR
Carlos Grider launched A Brother Abroad in 2017 after a “one-year abroad” experiment turned into a long-term life strategy. After 65+ countries and a decade abroad, he now writes about FIRE, personal finance, geo-arbitrage, and the real-world logistics of living abroad—visas, costs, and tradeoffs—so readers can make smarter global moves with fewer surprises. Carlos is a former Big 4 management consultant and DoD cultural advisor with an MBA (UT Austin) and Boston University’s Certificate in Financial Planning. He’s the author of Digital Nomad Nation: Rise of the Borderless Generation and is currently writing The Sovereign Expat.