Use this tool to estimate how much money you need to reach financial independence and how many years it may take, based on your current savings rate and expected investment returns.
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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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.