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

Financial Independence Calculator

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



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)


RankCityYearIn yearsRetirement age 4% WithdrawalCost of LivingNet worth
1.๐Ÿ‡ช๐Ÿ‡จQuito, Ecuador2027+9y39 y/o$757/mo$756/mo$227,225
2.๐Ÿ‡น๐Ÿ‡ผTainan, Taiwan2027+9y39 y/o$760/mo$759/mo$228,046
3.๐Ÿ‡ฒ๐Ÿ‡ฉChisinau, Moldova2027+9y39 y/o$767/mo$766/mo$230,101
4.๐Ÿ‡ฎ๐Ÿ‡ฉCanggu, Indonesia2027+9y39 y/o$781/mo$780/mo$234,220
5.๐Ÿ‡ฐ๐Ÿ‡ชNairobi, Kenya2027+9y39 y/o$788/mo$787/mo$236,284
6.๐Ÿ‡จ๐Ÿ‡ดMedellรญn, Colombia2027+9y39 y/o$790/mo$789/mo$237,110
7.๐Ÿ‡น๐Ÿ‡ผTaichung, Taiwan2027+9y39 y/o$797/mo$796/mo$239,178
8.๐Ÿ‡จ๐Ÿ‡ณHaikou, China2027+9y39 y/o$803/mo$802/mo$240,835
9.๐Ÿ‡ต๐Ÿ‡ฑLodz, Poland2028+10y40 y/o$822/mo$821/mo$246,648
10.๐Ÿ‡ง๐Ÿ‡ฌSofia, Bulgaria2028+10y40 y/o$824/mo$823/mo$247,064
11.๐Ÿ‡ฌ๐Ÿ‡ชTbilisi, Georgia2028+10y40 y/o$839/mo$837/mo$251,649
12.๐Ÿ‡น๐Ÿ‡ทIstanbul, Turkey2028+10y40 y/o$840/mo$839/mo$252,067
13.๐Ÿ‡ฒ๐Ÿ‡ฒYangon, Myanmar2028+10y40 y/o$846/mo$844/mo$253,738
14.๐Ÿ‡ป๐Ÿ‡ณDa Nang, Vietnam2028+10y40 y/o$853/mo$852/mo$255,830
15.๐Ÿ‡ฒ๐Ÿ‡ฝMexico City, Mexico2028+10y40 y/o$870/mo$868/mo$260,863
16.๐Ÿ‡ท๐Ÿ‡ธBelgrade, Serbia2028+10y40 y/o$874/mo$872/mo$262,124
17.๐Ÿ‡จ๐Ÿ‡ฑSantiago, Chile2029+11y41 y/o$900/mo$899/mo$270,135
18.๐Ÿ‡บ๐Ÿ‡ฆLviv, Ukraine2029+11y41 y/o$910/mo$909/mo$273,098
19.๐Ÿ‡ท๐Ÿ‡ดBucharest, Romania2029+11y41 y/o$934/mo$933/mo$280,318
20.๐Ÿ‡บ๐Ÿ‡ฆKiev, Ukraine2030+12y42 y/o$953/mo$952/mo$285,863
21.๐Ÿ‡ฏ๐Ÿ‡ดAmman, Jordan2030+12y42 y/o$971/mo$970/mo$291,428
22.๐Ÿ‡ญ๐Ÿ‡ทZagreb, Croatia2030+12y42 y/o$986/mo$984/mo$295,724
23.๐Ÿ‡ฐ๐Ÿ‡ทDaegu, South Korea2030+12y42 y/o$999/mo$997/mo$299,600
24.๐Ÿ‡ฒ๐Ÿ‡พKuala Lumpur, Malaysia2030+12y42 y/o$999/mo$998/mo$299,600
25.๐Ÿ‡จ๐Ÿ‡ณGuangzhou, China2030+12y42 y/o$1,015/mo$1,013/mo$304,352
26.๐Ÿ‡จ๐Ÿ‡ดCartagena, Colombia2030+12y42 y/o$1,016/mo$1,014/mo$304,784
27.๐Ÿ‡ง๐Ÿ‡ทSรฃo Paulo, Brazil2031+13y43 y/o$1,028/mo$1,026/mo$308,250
28.๐Ÿ‡ท๐Ÿ‡ผKigali, Rwanda2031+13y43 y/o$1,038/mo$1,036/mo$311,290
29.๐Ÿ‡ฒ๐Ÿ‡ฆCasablanca, Morocco2031+13y43 y/o$1,042/mo$1,040/mo$312,594
30.๐Ÿ‡ต๐Ÿ‡ฑWarsaw, Poland2031+13y43 y/o$1,064/mo$1,062/mo$319,133
31.๐Ÿ‡ต๐Ÿ‡ฑWrocล‚aw, Poland2031+13y43 y/o$1,086/mo$1,084/mo$325,701
32.๐Ÿ‡น๐Ÿ‡ญBangkok, Thailand2031+13y43 y/o$1,087/mo$1,085/mo$326,140
33.๐Ÿ‡ฐ๐Ÿ‡ทDaejeon, South Korea2031+13y43 y/o$1,093/mo$1,092/mo$327,896
34.๐Ÿ‡ฐ๐Ÿ‡ทJeju Island, South Korea2032+14y44 y/o$1,143/mo$1,142/mo$342,909
35.๐Ÿ‡ต๐Ÿ‡ฑKrakรณw, Poland2032+14y44 y/o$1,156/mo$1,155/mo$346,908
36.๐Ÿ‡ญ๐Ÿ‡บBudapest, Hungary2032+14y44 y/o$1,170/mo$1,168/mo$350,917
37.๐Ÿ‡ต๐Ÿ‡นPorto, Portugal2032+14y44 y/o$1,177/mo$1,175/mo$353,149
38.๐Ÿ‡ฟ๐Ÿ‡ฆCape Town, South Africa2033+15y45 y/o$1,216/mo$1,215/mo$364,805
39.๐Ÿ‡ช๐Ÿ‡ธTenerife, Spain2033+15y45 y/o$1,245/mo$1,243/mo$373,379
40.๐Ÿ‡ช๐Ÿ‡ธValencia, Spain2034+16y46 y/o$1,266/mo$1,264/mo$379,727
41.๐Ÿ‡ฏ๐Ÿ‡ตOkayama, Japan2034+16y46 y/o$1,278/mo$1,277/mo$383,365
42.๐Ÿ‡จ๐Ÿ‡ณShanghai, China2034+16y46 y/o$1,289/mo$1,287/mo$386,556
43.๐Ÿ‡ฐ๐Ÿ‡ทBusan, South Korea2034+16y46 y/o$1,331/mo$1,329/mo$399,383
44.๐Ÿ‡ฒ๐Ÿ‡ฆMarrakesh, Morocco2034+16y46 y/o$1,334/mo$1,332/mo$400,303
45.๐Ÿ‡จ๐Ÿ‡ฆMontreal, Canada2035+17y47 y/o$1,339/mo$1,338/mo$401,684
46.๐Ÿ‡ฑ๐Ÿ‡นVilnius, Lithuania2035+17y47 y/o$1,351/mo$1,350/mo$405,373
47.๐Ÿ‡ต๐Ÿ‡นLisbon, Portugal2035+17y47 y/o$1,385/mo$1,384/mo$415,563
48.๐Ÿ‡ช๐Ÿ‡ธMalaga, Spain2035+17y47 y/o$1,388/mo$1,386/mo$416,492
49.๐Ÿ‡ฌ๐Ÿ‡ทAthens, Greece2035+17y47 y/o$1,418/mo$1,416/mo$425,349
50.๐Ÿ‡ท๐Ÿ‡บMoscow, Russia2036+18y48 y/o$1,430/mo$1,429/mo$429,092
51.๐Ÿ‡ฏ๐Ÿ‡ตSapporo, Japan2036+18y48 y/o$1,457/mo$1,455/mo$437,076
52.๐Ÿ‡ฏ๐Ÿ‡ตSendai, Japan2036+18y48 y/o$1,496/mo$1,495/mo$448,888
53.๐Ÿ‡ฏ๐Ÿ‡ตKitakyushu, Japan2036+18y48 y/o$1,499/mo$1,497/mo$449,837
54.๐Ÿ‡ฏ๐Ÿ‡ตKobe, Japan2037+19y49 y/o$1,534/mo$1,533/mo$460,308
55.๐Ÿ‡ฏ๐Ÿ‡ตHamamatsu, Japan2037+19y49 y/o$1,561/mo$1,560/mo$468,445
56.๐Ÿ‡ฏ๐Ÿ‡ตNagoya, Japan2037+19y49 y/o$1,577/mo$1,575/mo$473,250
57.๐Ÿ‡ฏ๐Ÿ‡ตOsaka, Japan2038+20y50 y/o$1,637/mo$1,635/mo$491,149
58.๐Ÿ‡ฏ๐Ÿ‡ตKagoshima, Japan2038+20y50 y/o$1,647/mo$1,645/mo$494,069
59.๐Ÿ‡ฏ๐Ÿ‡ตHiroshima, Japan2038+20y50 y/o$1,662/mo$1,659/mo$498,459
60.๐Ÿ‡ฐ๐Ÿ‡ทSeoul, South Korea2039+21y51 y/o$1,744/mo$1,741/mo$523,057
61.๐Ÿ‡ฏ๐Ÿ‡ตKyoto, Japan2040+22y52 y/o$1,758/mo$1,756/mo$527,523
62.๐Ÿ‡จ๐Ÿ‡ฟPrague, Czechia2040+22y52 y/o$1,763/mo$1,761/mo$529,014
63.๐Ÿ‡ฆ๐Ÿ‡นVienna, Austria2040+22y52 y/o$1,798/mo$1,797/mo$539,487
64.๐Ÿ‡ฉ๐Ÿ‡ชBerlin, Germany2040+22y52 y/o$1,807/mo$1,805/mo$541,990
65.๐Ÿ‡บ๐Ÿ‡ธLas Vegas, United States2040+22y52 y/o$1,808/mo$1,807/mo$542,491
66.๐Ÿ‡ฏ๐Ÿ‡ตOkinawa, Japan2041+23y53 y/o$1,887/mo$1,886/mo$566,202
67.๐Ÿ‡ฉ๐Ÿ‡ชMunich, Germany2043+25y55 y/o$2,064/mo$2,062/mo$619,298
68.๐Ÿ‡จ๐Ÿ‡ฆToronto, Canada2043+25y55 y/o$2,089/mo$2,087/mo$626,637
69.๐Ÿ‡บ๐Ÿ‡ธPortland, United States2043+25y55 y/o$2,108/mo$2,105/mo$632,424
70.๐Ÿ‡ธ๐Ÿ‡ชStockholm, Sweden2045+27y57 y/o$2,261/mo$2,259/mo$678,306
71.๐Ÿ‡ฆ๐Ÿ‡บMelbourne, Australia2045+27y57 y/o$2,281/mo$2,278/mo$684,257
72.๐Ÿ‡ฏ๐Ÿ‡ตYokohama, Japan2047+29y59 y/o$2,457/mo$2,454/mo$736,997
73.๐Ÿ‡ฏ๐Ÿ‡ตTokyo, Japan2048+30y60 y/o$2,496/mo$2,494/mo$748,730
74.๐Ÿ‡ธ๐Ÿ‡ฌSingapore, Singapore2048+30y60 y/o$2,537/mo$2,535/mo$761,097
75.๐Ÿ‡บ๐Ÿ‡ธAustin, United States2048+30y60 y/o$2,539/mo$2,537/mo$761,661
76.๐Ÿ‡ฌ๐Ÿ‡งLondon, United Kingdom2052+34y64 y/o$2,892/mo$2,889/mo$867,652
77.๐Ÿ‡ฏ๐Ÿ‡ตFukuoka, Japan2054+36y66 y/o$3,153/mo$3,149/mo$945,789
78.๐Ÿ‡บ๐Ÿ‡ธLos Angeles, United States2055+37y67 y/o$3,275/mo$3,271/mo$982,503
79.๐Ÿ‡บ๐Ÿ‡ธNew York City, United States2060+42y72 y/o$3,788/mo$3,784/mo$1,136,419
80.๐Ÿ‡บ๐Ÿ‡ธSan Francisco, United States2061+43y73 y/o$3,960/mo$3,957/mo$1,188,038



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