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.	🇪🇨Quito, Ecuador	2028	+9y	39 y/o	$752/mo	$751/mo	$225,584
2.	🇲🇽Monterrey, Mexico	2028	+9y	39 y/o	$760/mo	$759/mo	$228,046
3.	🇲🇰Skopje, Macedonia	2028	+9y	39 y/o	$762/mo	$760/mo	$228,457
4.	🇻🇳Ho Chi Minh City, Vietnam	2028	+9y	39 y/o	$762/mo	$761/mo	$228,457
5.	🇲🇳Ulaanbaatar, Mongolia	2028	+9y	39 y/o	$762/mo	$761/mo	$228,457
6.	🇧🇾Minsk, Belarus	2028	+9y	39 y/o	$762/mo	$761/mo	$228,457
7.	🇨🇳Chengdu, China	2028	+9y	39 y/o	$764/mo	$763/mo	$229,279
8.	🇦🇲Yerevan, Armenia	2028	+9y	39 y/o	$766/mo	$765/mo	$229,690
9.	🇨🇳Taizhou, China	2028	+9y	39 y/o	$766/mo	$764/mo	$229,690
10.	🇨🇳Wuhan, China	2028	+9y	39 y/o	$774/mo	$773/mo	$232,159
11.	🇷🇺Krasnodar, Russia	2028	+9y	39 y/o	$777/mo	$776/mo	$232,983
12.	🇰🇪Nairobi, Kenya	2028	+9y	39 y/o	$781/mo	$780/mo	$234,220
13.	🇧🇷Recife, Brazil	2028	+9y	39 y/o	$785/mo	$784/mo	$235,458
14.	🇬🇪Tbilisi, Georgia	2028	+9y	39 y/o	$800/mo	$799/mo	$240,006
15.	🇧🇬Sofia, Bulgaria	2028	+9y	39 y/o	$801/mo	$800/mo	$240,421
16.	🇧🇷Salvador, Brazil	2029	+10y	40 y/o	$806/mo	$804/mo	$241,664
17.	🇲🇽Guanajuato, Mexico	2029	+10y	40 y/o	$807/mo	$806/mo	$242,079
18.	🇻🇳Hanoi, Vietnam	2029	+10y	40 y/o	$808/mo	$807/mo	$242,493
19.	🇮🇩Medan, Indonesia	2029	+10y	40 y/o	$811/mo	$810/mo	$243,323
20.	🇲🇩Chisinau, Moldova	2029	+10y	40 y/o	$814/mo	$813/mo	$244,154
21.	🇹🇷Istanbul, Turkey	2029	+10y	40 y/o	$819/mo	$818/mo	$245,816
22.	🇦🇿Baku, Azerbaijan	2029	+10y	40 y/o	$824/mo	$823/mo	$247,064
23.	🇰🇿Almaty, Kazakhstan	2029	+10y	40 y/o	$839/mo	$838/mo	$251,649
24.	🇵🇭Palawan, Philippines	2029	+10y	40 y/o	$840/mo	$839/mo	$252,067
25.	🇧🇦Sarajevo, Bosnia	2029	+10y	40 y/o	$854/mo	$853/mo	$256,249
26.	🇧🇷Uberlandia, Brazil	2029	+10y	40 y/o	$857/mo	$856/mo	$257,087
27.	🇸🇳Dakar, Senegal	2029	+10y	40 y/o	$860/mo	$858/mo	$257,925
28.	🇺🇦Lviv, Ukraine	2029	+10y	40 y/o	$860/mo	$859/mo	$257,925
29.	🇨🇳Harbin, China	2029	+10y	40 y/o	$860/mo	$858/mo	$257,925
30.	🇹🇼Taichung, Taiwan	2029	+10y	40 y/o	$861/mo	$860/mo	$258,344
31.	🇺🇦Odessa, Ukraine	2030	+11y	41 y/o	$895/mo	$894/mo	$268,445
32.	🇻🇳Da Nang, Vietnam	2030	+11y	41 y/o	$898/mo	$896/mo	$269,290
33.	🇨🇱Santiago, Chile	2030	+11y	41 y/o	$898/mo	$897/mo	$269,290
34.	🇲🇲Yangon, Myanmar	2030	+11y	41 y/o	$902/mo	$901/mo	$270,558
35.	🇨🇳Cixi, China	2030	+11y	41 y/o	$908/mo	$906/mo	$272,251
36.	🇨🇳Nantong, China	2030	+11y	41 y/o	$909/mo	$908/mo	$272,674
37.	🇨🇳Fuzhou, China	2030	+11y	41 y/o	$910/mo	$909/mo	$273,098
38.	🇨🇳Jiangmen, China	2030	+11y	41 y/o	$916/mo	$914/mo	$274,794
39.	🇧🇷Brasilia, Brazil	2030	+11y	41 y/o	$930/mo	$929/mo	$279,041
40.	🇨🇳Haikou, China	2030	+11y	41 y/o	$933/mo	$932/mo	$279,892
41.	🇵🇭Manila, Philippines	2030	+11y	41 y/o	$937/mo	$936/mo	$281,169
42.	🇨🇳Changzhou, China	2030	+11y	41 y/o	$939/mo	$937/mo	$281,595
43.	🇲🇽Mexico City, Mexico	2030	+11y	41 y/o	$943/mo	$941/mo	$282,874
44.	🇿🇦Pretoria, South Africa	2030	+11y	41 y/o	$950/mo	$948/mo	$285,008
45.	🇨🇳Quanzhou, China	2031	+12y	42 y/o	$953/mo	$952/mo	$285,863
46.	🇷🇸Belgrade, Serbia	2031	+12y	42 y/o	$959/mo	$957/mo	$287,573
47.	🇯🇴Amman, Jordan	2031	+12y	42 y/o	$961/mo	$960/mo	$288,429
48.	🇿🇦Port Elizabeth, South Africa	2031	+12y	42 y/o	$967/mo	$966/mo	$290,142
49.	🇨🇳Suzhou, China	2031	+12y	42 y/o	$969/mo	$967/mo	$290,571
50.	🇵🇱Poznan, Poland	2031	+12y	42 y/o	$973/mo	$971/mo	$291,857
51.	🇨🇲Douala, Cameroon	2031	+12y	42 y/o	$984/mo	$983/mo	$295,293
52.	🇿🇦Johannesburg, South Africa	2031	+12y	42 y/o	$999/mo	$998/mo	$299,600
53.	🇷🇼Kigali, Rwanda	2031	+12y	42 y/o	$1,003/mo	$1,002/mo	$300,894
54.	🇧🇷São Paulo, Brazil	2031	+12y	42 y/o	$1,006/mo	$1,004/mo	$301,758
55.	🇨🇴Cartagena, Colombia	2031	+12y	42 y/o	$1,019/mo	$1,017/mo	$305,650
56.	🇨🇳Wuhu, China	2031	+12y	42 y/o	$1,026/mo	$1,025/mo	$307,817
57.	🇲🇦Casablanca, Morocco	2032	+13y	43 y/o	$1,030/mo	$1,029/mo	$309,118
58.	🇩🇴Santo Domingo, Dominican Republic	2032	+13y	43 y/o	$1,033/mo	$1,032/mo	$309,986
59.	🇲🇦Tangier, Morocco	2032	+13y	43 y/o	$1,036/mo	$1,035/mo	$310,855
60.	🇷🇴Bucharest, Romania	2032	+13y	43 y/o	$1,043/mo	$1,042/mo	$313,029
61.	🇭🇷Zagreb, Croatia	2032	+13y	43 y/o	$1,049/mo	$1,048/mo	$314,771
62.	🇰🇭Phnom Penh, Cambodia	2032	+13y	43 y/o	$1,052/mo	$1,050/mo	$315,642
63.	🇷🇺Saint Petersburg, Russia	2032	+13y	43 y/o	$1,061/mo	$1,059/mo	$318,260
64.	🇨🇺Havana, Cuba	2032	+13y	43 y/o	$1,068/mo	$1,066/mo	$320,445
65.	🇺🇾Montevideo, Uruguay	2032	+13y	43 y/o	$1,070/mo	$1,068/mo	$320,882
66.	🇲🇾Kuala Lumpur, Malaysia	2032	+13y	43 y/o	$1,074/mo	$1,072/mo	$322,195
67.	🇨🇳Qingdao, China	2032	+13y	43 y/o	$1,083/mo	$1,081/mo	$324,823
68.	🇹🇼Tainan, Taiwan	2032	+13y	43 y/o	$1,083/mo	$1,082/mo	$324,823
69.	🇰🇷Jeju Island, South Korea	2033	+14y	44 y/o	$1,103/mo	$1,102/mo	$330,975
70.	🇵🇱Lodz, Poland	2033	+14y	44 y/o	$1,111/mo	$1,109/mo	$333,178
71.	🇨🇳Guangzhou, China	2033	+14y	44 y/o	$1,128/mo	$1,127/mo	$338,478
72.	🇯🇲Kingston, Jamaica	2033	+14y	44 y/o	$1,136/mo	$1,134/mo	$340,692
73.	🇰🇷Daejeon, South Korea	2033	+14y	44 y/o	$1,140/mo	$1,139/mo	$342,022
74.	🇺🇦Kiev, Ukraine	2033	+14y	44 y/o	$1,143/mo	$1,141/mo	$342,909
75.	🇭🇺Budapest, Hungary	2033	+14y	44 y/o	$1,145/mo	$1,143/mo	$343,353
76.	🇨🇳Putian, China	2033	+14y	44 y/o	$1,164/mo	$1,163/mo	$349,134
77.	🇵🇱Kraków, Poland	2033	+14y	44 y/o	$1,173/mo	$1,171/mo	$351,809
78.	🇨🇳Shenzhen, China	2034	+15y	45 y/o	$1,201/mo	$1,199/mo	$360,312
79.	🇱🇻Riga, Latvia	2034	+15y	45 y/o	$1,218/mo	$1,216/mo	$365,256
80.	🇹🇭Bangkok, Thailand	2034	+15y	45 y/o	$1,221/mo	$1,219/mo	$366,156
81.	🇨🇦Quebec City, Canada	2034	+15y	45 y/o	$1,222/mo	$1,220/mo	$366,607
82.	🇷🇺Krasnoyarsk, Russia	2034	+15y	45 y/o	$1,237/mo	$1,235/mo	$371,118
83.	🇪🇸Tenerife, Spain	2034	+15y	45 y/o	$1,239/mo	$1,237/mo	$371,570
84.	🇰🇷Gwangju, South Korea	2034	+15y	45 y/o	$1,242/mo	$1,240/mo	$372,474
85.	🇿🇦Cape Town, South Africa	2034	+15y	45 y/o	$1,248/mo	$1,246/mo	$374,284
86.	🇱🇹Vilnius, Lithuania	2035	+16y	46 y/o	$1,261/mo	$1,260/mo	$378,364
87.	🇸🇦Riyadh, Saudi Arabia	2035	+16y	46 y/o	$1,279/mo	$1,278/mo	$383,821
88.	🇮🇹Palermo, Italy	2035	+16y	46 y/o	$1,284/mo	$1,283/mo	$385,188
89.	🇩🇪Leipzig, Germany	2035	+16y	46 y/o	$1,284/mo	$1,283/mo	$385,188
90.	🇲🇦Rabat, Morocco	2035	+16y	46 y/o	$1,290/mo	$1,289/mo	$387,012
91.	🇵🇱Wrocław, Poland	2035	+16y	46 y/o	$1,295/mo	$1,293/mo	$388,382
92.	🇰🇷Busan, South Korea	2035	+16y	46 y/o	$1,302/mo	$1,301/mo	$390,668
93.	🇵🇭Makati, Philippines	2035	+16y	46 y/o	$1,313/mo	$1,311/mo	$393,873
94.	🇯🇵Okayama, Japan	2035	+16y	46 y/o	$1,325/mo	$1,323/mo	$397,544
95.	🇹🇼Taipei, Taiwan	2036	+17y	47 y/o	$1,342/mo	$1,340/mo	$402,606
96.	🇪🇸Valencia, Spain	2036	+17y	47 y/o	$1,347/mo	$1,345/mo	$403,989
97.	🇯🇵Kitakyushu, Japan	2036	+17y	47 y/o	$1,351/mo	$1,350/mo	$405,373
98.	🇨🇳Shanghai, China	2036	+17y	47 y/o	$1,354/mo	$1,352/mo	$406,297
99.	🇧🇷Rio de Janeiro, Brazil	2036	+17y	47 y/o	$1,404/mo	$1,402/mo	$421,147
100.	🇩🇪Dresden, Germany	2036	+17y	47 y/o	$1,405/mo	$1,403/mo	$421,614
101.	🇪🇸Malaga, Spain	2037	+18y	48 y/o	$1,435/mo	$1,433/mo	$430,498
102.	🇨🇿Prague, Czechia	2037	+18y	48 y/o	$1,449/mo	$1,447/mo	$434,724
103.	🇲🇦Marrakesh, Morocco	2037	+18y	48 y/o	$1,463/mo	$1,462/mo	$438,960
104.	🇵🇹Lisbon, Portugal	2037	+18y	48 y/o	$1,481/mo	$1,479/mo	$444,153
105.	🇨🇦Ottawa, Canada	2037	+18y	48 y/o	$1,481/mo	$1,478/mo	$444,153
106.	🇨🇦Montreal, Canada	2037	+18y	48 y/o	$1,482/mo	$1,480/mo	$444,626
107.	🇨🇳Beijing, China	2037	+18y	48 y/o	$1,496/mo	$1,495/mo	$448,888
108.	🇪🇸Seville, Spain	2038	+19y	49 y/o	$1,504/mo	$1,502/mo	$451,261
109.	🇰🇷Suwon, South Korea	2038	+19y	49 y/o	$1,523/mo	$1,521/mo	$456,969
110.	🇨🇦Edmonton, Canada	2038	+19y	49 y/o	$1,523/mo	$1,522/mo	$456,969
111.	🇰🇷Daegu, South Korea	2038	+19y	49 y/o	$1,531/mo	$1,529/mo	$459,353
112.	🇵🇱Warsaw, Poland	2038	+19y	49 y/o	$1,553/mo	$1,551/mo	$466,048
113.	🇨🇳Nanjing, China	2038	+19y	49 y/o	$1,555/mo	$1,554/mo	$466,527
114.	🇬🇷Athens, Greece	2038	+19y	49 y/o	$1,557/mo	$1,555/mo	$467,006
115.	🇩🇪Stuttgart, Germany	2039	+20y	50 y/o	$1,587/mo	$1,586/mo	$476,139
116.	🇯🇵Sendai, Japan	2039	+20y	50 y/o	$1,606/mo	$1,604/mo	$481,934
117.	🇷🇺Moscow, Russia	2039	+20y	50 y/o	$1,616/mo	$1,614/mo	$484,838
118.	🇯🇵Hamamatsu, Japan	2039	+20y	50 y/o	$1,618/mo	$1,616/mo	$485,323
119.	🇮🇹Genoa, Italy	2040	+21y	51 y/o	$1,668/mo	$1,666/mo	$500,414
120.	🇩🇪Cologne, Germany	2040	+21y	51 y/o	$1,684/mo	$1,682/mo	$505,311
121.	🇰🇷Seoul, South Korea	2040	+21y	51 y/o	$1,707/mo	$1,705/mo	$512,191
122.	🇸🇪Gothenburg, Sweden	2041	+22y	52 y/o	$1,753/mo	$1,751/mo	$526,033
123.	🇫🇷Marseille, France	2041	+22y	52 y/o	$1,767/mo	$1,764/mo	$530,008
124.	🇦🇹Vienna, Austria	2041	+22y	52 y/o	$1,772/mo	$1,770/mo	$531,502
125.	🇬🇧Liverpool, United Kingdom	2041	+22y	52 y/o	$1,793/mo	$1,791/mo	$537,987
126.	🇺🇸Albuquerque, United States	2041	+22y	52 y/o	$1,798/mo	$1,796/mo	$539,487
127.	🇯🇵Osaka, Japan	2041	+22y	52 y/o	$1,807/mo	$1,805/mo	$541,990
128.	🇩🇪Frankfurt, Germany	2041	+22y	52 y/o	$1,832/mo	$1,829/mo	$549,520
129.	🇪🇸Barcelona, Spain	2042	+23y	53 y/o	$1,849/mo	$1,847/mo	$554,558
130.	🇩🇪Berlin, Germany	2042	+23y	53 y/o	$1,854/mo	$1,852/mo	$556,073
131.	🇨🇳Macau, China	2042	+23y	53 y/o	$1,869/mo	$1,867/mo	$560,624
132.	🇯🇵Fukuoka, Japan	2042	+23y	53 y/o	$1,886/mo	$1,884/mo	$565,694
133.	🇬🇧Glasgow, United Kingdom	2042	+23y	53 y/o	$1,918/mo	$1,915/mo	$575,368
134.	🇯🇵Kobe, Japan	2042	+23y	53 y/o	$1,920/mo	$1,917/mo	$575,878
135.	🇳🇿Auckland, New Zealand	2042	+23y	53 y/o	$1,923/mo	$1,921/mo	$576,900
136.	🇺🇸Dallas, United States	2043	+24y	54 y/o	$1,992/mo	$1,990/mo	$597,457
137.	🇯🇵Nagoya, Japan	2043	+24y	54 y/o	$1,997/mo	$1,995/mo	$599,008
138.	🇯🇵Okinawa City, Japan	2043	+24y	54 y/o	$2,004/mo	$2,001/mo	$601,079
139.	🇯🇵Kagoshima, Japan	2044	+25y	55 y/o	$2,035/mo	$2,032/mo	$610,426
140.	🇯🇵Yokohama, Japan	2044	+25y	55 y/o	$2,045/mo	$2,043/mo	$613,552
141.	🇯🇵Hiroshima, Japan	2045	+26y	56 y/o	$2,134/mo	$2,133/mo	$640,345
142.	🇯🇵Sapporo, Japan	2045	+26y	56 y/o	$2,140/mo	$2,137/mo	$641,934
143.	🇦🇺Melbourne, Australia	2045	+26y	56 y/o	$2,165/mo	$2,163/mo	$649,364
144.	🇬🇧Manchester, United Kingdom	2045	+26y	56 y/o	$2,191/mo	$2,189/mo	$657,358
145.	🇺🇸San Antonio, United States	2045	+26y	56 y/o	$2,195/mo	$2,192/mo	$658,427
146.	🇨🇦Toronto, Canada	2046	+27y	57 y/o	$2,227/mo	$2,225/mo	$668,071
147.	🇪🇸Madrid, Spain	2046	+27y	57 y/o	$2,236/mo	$2,233/mo	$670,759
148.	🇨🇦Vancouver, Canada	2046	+27y	57 y/o	$2,252/mo	$2,249/mo	$675,607
149.	🇸🇪Stockholm, Sweden	2046	+27y	57 y/o	$2,252/mo	$2,250/mo	$675,607
150.	🇩🇪Hamburg, Germany	2048	+29y	59 y/o	$2,394/mo	$2,391/mo	$718,152
151.	🇫🇷Paris, France	2048	+29y	59 y/o	$2,446/mo	$2,443/mo	$733,658
152.	🇯🇵Kyoto, Japan	2048	+29y	59 y/o	$2,485/mo	$2,482/mo	$745,370
153.	🇬🇧Bristol, United Kingdom	2049	+30y	60 y/o	$2,494/mo	$2,492/mo	$748,169
154.	🇺🇸Portland, United States	2049	+30y	60 y/o	$2,507/mo	$2,504/mo	$752,095
155.	🇸🇬Singapore, Singapore	2050	+31y	61 y/o	$2,607/mo	$2,604/mo	$782,073
156.	🇩🇪Munich, Germany	2050	+31y	61 y/o	$2,613/mo	$2,609/mo	$783,784
157.	🇮🇹Rome, Italy	2050	+31y	61 y/o	$2,626/mo	$2,623/mo	$787,781
158.	🇯🇵Tokyo, Japan	2050	+31y	61 y/o	$2,641/mo	$2,638/mo	$792,359
159.	🇦🇺Sydney, Australia	2050	+31y	61 y/o	$2,681/mo	$2,679/mo	$804,427
160.	🇮🇪Dublin, Ireland	2052	+33y	63 y/o	$2,813/mo	$2,811/mo	$844,006
161.	🇺🇸San Diego, United States	2054	+35y	65 y/o	$3,093/mo	$3,091/mo	$927,970
162.	🇬🇧London, United Kingdom	2056	+37y	67 y/o	$3,215/mo	$3,211/mo	$964,379
163.	🇺🇸Austin, United States	2056	+37y	67 y/o	$3,237/mo	$3,235/mo	$971,236
164.	🇺🇸Boston, United States	2056	+37y	67 y/o	$3,273/mo	$3,270/mo	$981,876
165.	🇭🇰Hong Kong, Hong Kong	2057	+38y	68 y/o	$3,315/mo	$3,311/mo	$994,459
166.	🇳🇱Amsterdam, Netherlands	2057	+38y	68 y/o	$3,361/mo	$3,358/mo	$1,008,385
167.	🇩🇰Copenhagen, Denmark	2057	+38y	68 y/o	$3,363/mo	$3,361/mo	$1,009,020
168.	🇺🇸Los Angeles, United States	2058	+39y	69 y/o	$3,537/mo	$3,533/mo	$1,061,074
169.	🇺🇸New York City, United States	2061	+42y	72 y/o	$3,862/mo	$3,859/mo	$1,158,694
170.	🇺🇸San Francisco, United States	2063	+44y	74 y/o	$4,101/mo	$4,097/mo	$1,230,293

version 0.2

The information provided here for informational purposes only. It should not be considered legal or financial advice. You should consult with an attorney or other professional to determine what may be best for your individual needs. Nomad List does not make any guarantee or other promise as to any results that may be obtained from using our content. No one should make any investment decision without first consulting his or her own financial advisor and conducting his or her own research and due diligence. To the maximum extent permitted by law, Financial Poise disclaims any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations prove to be inaccurate, incomplete or unreliable, or result in any investment or other losses. Content contained on or made available through the website is not intended to and does not constitute legal advice or investment advice and no attorney-client relationship is formed. Your use of the information on the website or materials linked from the Web is at your own risk. TERMS AND CONDITIONS APPLY. MOVING TO ANOTHER PLACE WON'T REMOVE YOUR EXISTENTIAL ANGST. DEAL WITH IT 🕶

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 Joplin)	$	Have a family?	Use cost of living for a family
Personalize? Use your spending in Joplin to estimate cost abroad (1.00x)		Fat FIRE?	Retire luxuriously (5x cost)

Nomad List

Financial Independence Calculator

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

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