Financial Independence Calculator

How early can you retire if you move to another place?

Rank	City	Year	In years	Retirement age	4% Withdrawal	Cost of Living	Net worth
1.	🇨🇳Zhangjiakou, China	2028	+9y	39 y/o	$751/mo	$750/mo	$225,174
2.	🇷🇺Krasnodar, Russia	2028	+9y	39 y/o	$752/mo	$751/mo	$225,584
3.	🇦🇲Yerevan, Armenia	2028	+9y	39 y/o	$757/mo	$756/mo	$227,225
4.	🇨🇴Medellín, Colombia	2028	+9y	39 y/o	$759/mo	$758/mo	$227,636
5.	🇵🇱Lodz, Poland	2028	+9y	39 y/o	$759/mo	$758/mo	$227,636
6.	🇮🇩Jakarta, Indonesia	2028	+9y	39 y/o	$762/mo	$761/mo	$228,457
7.	🇨🇳Shenyang, China	2028	+9y	39 y/o	$766/mo	$765/mo	$229,690
8.	🇨🇳Huai'an, China	2028	+9y	39 y/o	$767/mo	$766/mo	$230,101
9.	🇧🇷Salvador, Brazil	2028	+9y	39 y/o	$767/mo	$766/mo	$230,101
10.	🇲🇽Guanajuato, Mexico	2028	+9y	39 y/o	$770/mo	$769/mo	$230,924
11.	🇰🇿Almaty, Kazakhstan	2028	+9y	39 y/o	$772/mo	$771/mo	$231,747
12.	🇦🇿Baku, Azerbaijan	2028	+9y	39 y/o	$774/mo	$772/mo	$232,159
13.	🇹🇼Taichung, Taiwan	2028	+9y	39 y/o	$777/mo	$775/mo	$232,983
14.	🇧🇾Minsk, Belarus	2028	+9y	39 y/o	$778/mo	$777/mo	$233,395
15.	🇰🇪Nairobi, Kenya	2028	+9y	39 y/o	$783/mo	$782/mo	$235,045
16.	🇧🇦Sarajevo, Bosnia	2028	+9y	39 y/o	$786/mo	$785/mo	$235,871
17.	🇬🇹Guatemala City, Guatemala	2028	+9y	39 y/o	$788/mo	$786/mo	$236,284
18.	🇨🇳Harbin, China	2028	+9y	39 y/o	$792/mo	$791/mo	$237,524
19.	🇮🇩Medan, Indonesia	2028	+9y	39 y/o	$796/mo	$794/mo	$238,764
20.	🇮🇩Malang, Indonesia	2028	+9y	39 y/o	$796/mo	$794/mo	$238,764
21.	🇨🇳Haikou, China	2028	+9y	39 y/o	$799/mo	$797/mo	$239,592
22.	🇬🇪Tbilisi, Georgia	2029	+10y	40 y/o	$806/mo	$804/mo	$241,664
23.	🇨🇳Xiangyang, China	2029	+10y	40 y/o	$810/mo	$808/mo	$242,908
24.	🇲🇲Yangon, Myanmar	2029	+10y	40 y/o	$812/mo	$811/mo	$243,739
25.	🇧🇬Sofia, Bulgaria	2029	+10y	40 y/o	$812/mo	$811/mo	$243,739
26.	🇲🇽Puebla, Mexico	2029	+10y	40 y/o	$814/mo	$812/mo	$244,154
27.	🇨🇳Yichang, China	2029	+10y	40 y/o	$814/mo	$812/mo	$244,154
28.	🇺🇦Odessa, Ukraine	2029	+10y	40 y/o	$824/mo	$822/mo	$247,064
29.	🇮🇩Canggu, Indonesia	2029	+10y	40 y/o	$824/mo	$822/mo	$247,064
30.	🇨🇳Jiamusi, China	2029	+10y	40 y/o	$828/mo	$827/mo	$248,313
31.	🇲🇦Tangier, Morocco	2029	+10y	40 y/o	$828/mo	$827/mo	$248,313
32.	🇨🇳Hefei, China	2029	+10y	40 y/o	$832/mo	$830/mo	$249,563
33.	🇰🇿Astana, Kazakhstan	2029	+10y	40 y/o	$832/mo	$831/mo	$249,563
34.	🇵🇭Manila, Philippines	2029	+10y	40 y/o	$833/mo	$832/mo	$249,980
35.	🇨🇳Zibo, China	2029	+10y	40 y/o	$835/mo	$833/mo	$250,397
36.	🇨🇳Jiaxing, China	2029	+10y	40 y/o	$835/mo	$834/mo	$250,397
37.	🇻🇳Da Nang, Vietnam	2029	+10y	40 y/o	$836/mo	$835/mo	$250,814
38.	🇵🇭Palawan, Philippines	2029	+10y	40 y/o	$842/mo	$841/mo	$252,484
39.	🇨🇳Qiqihar, China	2029	+10y	40 y/o	$842/mo	$841/mo	$252,484
40.	🇵🇾Asuncion, Paraguay	2029	+10y	40 y/o	$849/mo	$847/mo	$254,575
41.	🇸🇳Dakar, Senegal	2029	+10y	40 y/o	$849/mo	$847/mo	$254,575
42.	🇧🇷Uberlandia, Brazil	2029	+10y	40 y/o	$850/mo	$849/mo	$254,993
43.	🇵🇱Poznan, Poland	2029	+10y	40 y/o	$854/mo	$853/mo	$256,249
44.	🇨🇳Yantai, China	2029	+10y	40 y/o	$854/mo	$853/mo	$256,249
45.	🇺🇦Lviv, Ukraine	2029	+10y	40 y/o	$860/mo	$859/mo	$257,925
46.	🇨🇳Zhangjiagang, China	2029	+10y	40 y/o	$868/mo	$867/mo	$260,443
47.	🇨🇳Zhuzhou, China	2029	+10y	40 y/o	$871/mo	$870/mo	$261,283
48.	🇷🇸Belgrade, Serbia	2029	+10y	40 y/o	$875/mo	$874/mo	$262,545
49.	🇨🇳Wenling, China	2029	+10y	40 y/o	$875/mo	$874/mo	$262,545
50.	🇨🇱Santiago, Chile	2029	+10y	40 y/o	$875/mo	$874/mo	$262,545
51.	🇨🇳Cixi, China	2030	+11y	41 y/o	$884/mo	$882/mo	$265,070
52.	🇨🇳Qingdao, China	2030	+11y	41 y/o	$886/mo	$885/mo	$265,913
53.	🇨🇳Fuzhou, China	2030	+11y	41 y/o	$888/mo	$887/mo	$266,335
54.	🇨🇳Changsha, China	2030	+11y	41 y/o	$891/mo	$890/mo	$267,179
55.	🇨🇳Yangzhou, China	2030	+11y	41 y/o	$895/mo	$893/mo	$268,445
56.	🇨🇳Fushun, China	2030	+11y	41 y/o	$895/mo	$893/mo	$268,445
57.	🇷🇴Bucharest, Romania	2030	+11y	41 y/o	$898/mo	$897/mo	$269,290
58.	🇧🇷Brasilia, Brazil	2030	+11y	41 y/o	$900/mo	$899/mo	$270,135
59.	🇪🇨Guayaquil, Ecuador	2030	+11y	41 y/o	$903/mo	$902/mo	$270,981
60.	🇨🇳Quanzhou, China	2030	+11y	41 y/o	$913/mo	$912/mo	$273,946
61.	🇨🇳Nantong, China	2030	+11y	41 y/o	$916/mo	$914/mo	$274,794
62.	🇭🇷Zagreb, Croatia	2030	+11y	41 y/o	$922/mo	$921/mo	$276,491
63.	🇲🇽Mexico City, Mexico	2030	+11y	41 y/o	$922/mo	$921/mo	$276,491
64.	🇨🇳Urumqi, China	2030	+11y	41 y/o	$937/mo	$936/mo	$281,169
65.	🇨🇳Jiangmen, China	2030	+11y	41 y/o	$946/mo	$944/mo	$283,727
66.	🇯🇴Amman, Jordan	2031	+12y	42 y/o	$953/mo	$951/mo	$285,863
67.	🇨🇴Cartagena, Colombia	2031	+12y	42 y/o	$953/mo	$952/mo	$285,863
68.	🇰🇭Phnom Penh, Cambodia	2031	+12y	42 y/o	$966/mo	$964/mo	$289,713
69.	🇿🇦Pretoria, South Africa	2031	+12y	42 y/o	$970/mo	$968/mo	$290,999
70.	🇨🇳Dalian, China	2031	+12y	42 y/o	$971/mo	$970/mo	$291,428
71.	🇮🇳Mumbai, India	2031	+12y	42 y/o	$976/mo	$975/mo	$292,715
72.	🇰🇷Daegu, South Korea	2031	+12y	42 y/o	$979/mo	$977/mo	$293,574
73.	🇧🇷São Paulo, Brazil	2031	+12y	42 y/o	$983/mo	$982/mo	$294,864
74.	🇨🇳Changzhou, China	2031	+12y	42 y/o	$987/mo	$986/mo	$296,154
75.	🇲🇦Casablanca, Morocco	2031	+12y	42 y/o	$989/mo	$987/mo	$296,584
76.	🇨🇲Douala, Cameroon	2031	+12y	42 y/o	$993/mo	$991/mo	$297,876
77.	🇨🇳Suzhou, China	2031	+12y	42 y/o	$994/mo	$993/mo	$298,307
78.	🇺🇦Kiev, Ukraine	2031	+12y	42 y/o	$1,003/mo	$1,002/mo	$300,894
79.	🇲🇾Kuala Lumpur, Malaysia	2031	+12y	42 y/o	$1,006/mo	$1,004/mo	$301,758
80.	🇨🇳Kunming, China	2031	+12y	42 y/o	$1,009/mo	$1,007/mo	$302,622
81.	🇵🇱Warsaw, Poland	2031	+12y	42 y/o	$1,019/mo	$1,017/mo	$305,650
82.	🇷🇼Kigali, Rwanda	2031	+12y	42 y/o	$1,023/mo	$1,022/mo	$306,950
83.	🇨🇳Foshan, China	2032	+13y	43 y/o	$1,032/mo	$1,030/mo	$309,552
84.	🇷🇺Saint Petersburg, Russia	2032	+13y	43 y/o	$1,035/mo	$1,034/mo	$310,421
85.	🇨🇳Huainan, China	2032	+13y	43 y/o	$1,039/mo	$1,038/mo	$311,724
86.	🇨🇳Wuxi, China	2032	+13y	43 y/o	$1,042/mo	$1,040/mo	$312,594
87.	🇨🇦Quebec City, Canada	2032	+13y	43 y/o	$1,045/mo	$1,044/mo	$313,464
88.	🇩🇴Santo Domingo, Dominican Republic	2032	+13y	43 y/o	$1,051/mo	$1,049/mo	$315,206
89.	🇨🇳Guangzhou, China	2032	+13y	43 y/o	$1,055/mo	$1,053/mo	$316,514
90.	🇵🇱Wrocław, Poland	2032	+13y	43 y/o	$1,058/mo	$1,056/mo	$317,387
91.	🇳🇬Lagos, Nigeria	2032	+13y	43 y/o	$1,061/mo	$1,059/mo	$318,260
92.	🇯🇲Kingston, Jamaica	2032	+13y	43 y/o	$1,061/mo	$1,060/mo	$318,260
93.	🇰🇷Daejeon, South Korea	2032	+13y	43 y/o	$1,077/mo	$1,075/mo	$323,070
94.	🇷🇺Krasnoyarsk, Russia	2032	+13y	43 y/o	$1,077/mo	$1,075/mo	$323,070
95.	🇵🇱Kraków, Poland	2032	+13y	43 y/o	$1,087/mo	$1,086/mo	$326,140
96.	🇰🇷Jeju Island, South Korea	2032	+13y	43 y/o	$1,099/mo	$1,097/mo	$329,655
97.	🇹🇭Bangkok, Thailand	2033	+14y	44 y/o	$1,122/mo	$1,121/mo	$336,710
98.	🇺🇾Montevideo, Uruguay	2033	+14y	44 y/o	$1,124/mo	$1,122/mo	$337,152
99.	🇭🇺Budapest, Hungary	2033	+14y	44 y/o	$1,139/mo	$1,137/mo	$341,579
100.	🇿🇦Cape Town, South Africa	2033	+14y	44 y/o	$1,170/mo	$1,168/mo	$350,917
101.	🇰🇷Busan, South Korea	2034	+15y	45 y/o	$1,195/mo	$1,193/mo	$358,518
102.	🇵🇭Makati, Philippines	2034	+15y	45 y/o	$1,204/mo	$1,202/mo	$361,209
103.	🇪🇸Tenerife, Spain	2034	+15y	45 y/o	$1,207/mo	$1,205/mo	$362,108
104.	🇰🇷Gwangju, South Korea	2034	+15y	45 y/o	$1,222/mo	$1,221/mo	$366,607
105.	🇮🇹Palermo, Italy	2034	+15y	45 y/o	$1,231/mo	$1,230/mo	$369,312
106.	🇲🇦Rabat, Morocco	2034	+15y	45 y/o	$1,234/mo	$1,232/mo	$370,215
107.	🇱🇹Vilnius, Lithuania	2034	+15y	45 y/o	$1,236/mo	$1,234/mo	$370,667
108.	🇹🇼Taipei, Taiwan	2035	+16y	46 y/o	$1,258/mo	$1,256/mo	$377,457
109.	🇱🇻Riga, Latvia	2035	+16y	46 y/o	$1,258/mo	$1,257/mo	$377,457
110.	🇪🇸Valencia, Spain	2035	+16y	46 y/o	$1,263/mo	$1,261/mo	$378,818
111.	🇩🇪Leipzig, Germany	2035	+16y	46 y/o	$1,263/mo	$1,261/mo	$378,818
112.	🇧🇷Rio de Janeiro, Brazil	2035	+16y	46 y/o	$1,266/mo	$1,264/mo	$379,727
113.	🇲🇦Marrakesh, Morocco	2035	+16y	46 y/o	$1,290/mo	$1,289/mo	$387,012
114.	🇨🇦Winnipeg, Canada	2035	+16y	46 y/o	$1,307/mo	$1,305/mo	$392,041
115.	🇯🇵Okayama, Japan	2035	+16y	46 y/o	$1,308/mo	$1,306/mo	$392,498
116.	🇨🇳Shanghai, China	2036	+17y	47 y/o	$1,337/mo	$1,336/mo	$401,224
117.	🇯🇵Kitakyushu, Japan	2036	+17y	47 y/o	$1,360/mo	$1,359/mo	$408,146
118.	🇨🇦Montreal, Canada	2036	+17y	47 y/o	$1,367/mo	$1,365/mo	$409,997
119.	🇨🇦Ottawa, Canada	2036	+17y	47 y/o	$1,374/mo	$1,372/mo	$412,314
120.	🇷🇺Moscow, Russia	2036	+17y	47 y/o	$1,379/mo	$1,378/mo	$413,705
121.	🇪🇸Malaga, Spain	2036	+17y	47 y/o	$1,391/mo	$1,390/mo	$417,422
122.	🇩🇪Dresden, Germany	2036	+17y	47 y/o	$1,401/mo	$1,399/mo	$420,215
123.	🇬🇷Athens, Greece	2036	+17y	47 y/o	$1,402/mo	$1,401/mo	$420,681
124.	🇨🇦Brampton, Canada	2036	+17y	47 y/o	$1,415/mo	$1,413/mo	$424,414
125.	🇵🇹Lisbon, Portugal	2036	+17y	47 y/o	$1,416/mo	$1,415/mo	$424,881
126.	🇰🇷Suwon, South Korea	2037	+18y	48 y/o	$1,427/mo	$1,425/mo	$428,156
127.	🇨🇦Edmonton, Canada	2037	+18y	48 y/o	$1,474/mo	$1,472/mo	$442,263
128.	🇨🇦Surrey, Canada	2037	+18y	48 y/o	$1,496/mo	$1,494/mo	$448,888
129.	🇯🇵Okinawa City, Japan	2038	+19y	49 y/o	$1,530/mo	$1,527/mo	$458,876
130.	🇩🇪Cologne, Germany	2038	+19y	49 y/o	$1,541/mo	$1,539/mo	$462,219
131.	🇯🇵Kobe, Japan	2038	+19y	49 y/o	$1,569/mo	$1,568/mo	$470,846
132.	🇪🇸Seville, Spain	2038	+19y	49 y/o	$1,577/mo	$1,575/mo	$473,250
133.	🇯🇵Hiroshima, Japan	2039	+20y	50 y/o	$1,590/mo	$1,588/mo	$477,104
134.	🇸🇪Gothenburg, Sweden	2039	+20y	50 y/o	$1,592/mo	$1,590/mo	$477,586
135.	🇯🇵Hamamatsu, Japan	2039	+20y	50 y/o	$1,597/mo	$1,595/mo	$479,034
136.	🇰🇷Seoul, South Korea	2039	+20y	50 y/o	$1,645/mo	$1,643/mo	$493,582
137.	🇯🇵Nagoya, Japan	2040	+21y	51 y/o	$1,683/mo	$1,681/mo	$504,821
138.	🇯🇵Sendai, Japan	2040	+21y	51 y/o	$1,684/mo	$1,682/mo	$505,311
139.	🇯🇵Kagoshima, Japan	2040	+21y	51 y/o	$1,684/mo	$1,682/mo	$505,311
140.	🇨🇿Prague, Czechia	2040	+21y	51 y/o	$1,694/mo	$1,693/mo	$508,256
141.	🇪🇸Madrid, Spain	2040	+21y	51 y/o	$1,701/mo	$1,698/mo	$510,222
142.	🇦🇹Vienna, Austria	2040	+21y	51 y/o	$1,716/mo	$1,714/mo	$514,654
143.	🇩🇪Berlin, Germany	2041	+22y	52 y/o	$1,797/mo	$1,795/mo	$538,987
144.	🇩🇪Frankfurt, Germany	2041	+22y	52 y/o	$1,798/mo	$1,796/mo	$539,487
145.	🇪🇸Barcelona, Spain	2041	+22y	52 y/o	$1,838/mo	$1,836/mo	$551,534
146.	🇯🇵Sapporo, Japan	2042	+23y	53 y/o	$1,901/mo	$1,898/mo	$570,270
147.	🇺🇸Las Vegas, United States	2043	+24y	54 y/o	$1,967/mo	$1,965/mo	$590,235
148.	🇯🇵Osaka, Japan	2043	+24y	54 y/o	$2,014/mo	$2,012/mo	$604,189
149.	🇨🇦Toronto, Canada	2044	+25y	55 y/o	$2,096/mo	$2,094/mo	$628,739
150.	🇦🇺Melbourne, Australia	2045	+26y	56 y/o	$2,147/mo	$2,145/mo	$644,054
151.	🇯🇵Fukuoka, Japan	2045	+26y	56 y/o	$2,168/mo	$2,165/mo	$650,428
152.	🇯🇵Kyoto, Japan	2046	+27y	57 y/o	$2,283/mo	$2,281/mo	$684,798
153.	🇸🇬Singapore, Singapore	2048	+29y	59 y/o	$2,434/mo	$2,432/mo	$730,325
154.	🇯🇵Yokohama, Japan	2049	+30y	60 y/o	$2,513/mo	$2,510/mo	$753,779
155.	🇯🇵Tokyo, Japan	2049	+30y	60 y/o	$2,518/mo	$2,515/mo	$755,466
156.	🇺🇸New York City, United States	2060	+41y	71 y/o	$3,761/mo	$3,758/mo	$1,128,371

version 0.2

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Current age		Withdrawal rate	%
Current net worth (assets — debt)	$	Debt interest rate	%
Current city		Annual return interest	%
Current monthly income (net after tax)	$	Tax rate on returns	%
Current monthly spending (in Amsterdam)	$	Have a family?	Use cost of living for a family
Personalize? Use your spending in Amsterdam to estimate cost abroad (1.00x)		Fat FIRE?	Retire luxuriously (5x cost)