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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, Ecuador2028+9y39 y/o$766/mo$765/mo$229,690
2.๐Ÿ‡ป๐Ÿ‡ณHo Chi Minh City, Vietnam2028+9y39 y/o$768/mo$767/mo$230,513
3.๐Ÿ‡ฒ๐Ÿ‡พGeorge Town, Malaysia2028+9y39 y/o$770/mo$768/mo$230,924
4.๐Ÿ‡ฎ๐Ÿ‡ฉCanggu, Indonesia2028+9y39 y/o$772/mo$771/mo$231,747
5.๐Ÿ‡ฒ๐Ÿ‡ฝCancun, Mexico2028+9y39 y/o$774/mo$772/mo$232,159
6.๐Ÿ‡บ๐Ÿ‡ฆLviv, Ukraine2029+10y40 y/o$806/mo$805/mo$241,664
7.๐Ÿ‡ง๐Ÿ‡ทPorto Alegre, Brazil2029+10y40 y/o$810/mo$809/mo$242,908
8.๐Ÿ‡จ๐Ÿ‡ดMedellรญn, Colombia2029+10y40 y/o$818/mo$817/mo$245,400
9.๐Ÿ‡น๐Ÿ‡ทAntalya, Turkey2029+10y40 y/o$824/mo$822/mo$247,064
10.๐Ÿ‡ง๐Ÿ‡พMinsk, Belarus2029+10y40 y/o$829/mo$828/mo$248,730
11.๐Ÿ‡ฆ๐Ÿ‡ฒYerevan, Armenia2029+10y40 y/o$833/mo$832/mo$249,980
12.๐Ÿ‡ฒ๐Ÿ‡ฉChisinau, Moldova2029+10y40 y/o$842/mo$841/mo$252,484
13.๐Ÿ‡ป๐Ÿ‡ณHanoi, Vietnam2029+10y40 y/o$843/mo$842/mo$252,902
14.๐Ÿ‡ง๐Ÿ‡ฌSofia, Bulgaria2029+10y40 y/o$849/mo$847/mo$254,575
15.๐Ÿ‡ฌ๐Ÿ‡ชTbilisi, Georgia2029+10y40 y/o$864/mo$862/mo$259,183
16.๐Ÿ‡ง๐Ÿ‡ฆSarajevo, Bosnia2029+10y40 y/o$875/mo$874/mo$262,545
17.๐Ÿ‡จ๐Ÿ‡ณHaikou, China2030+11y41 y/o$895/mo$894/mo$268,445
18.๐Ÿ‡ป๐Ÿ‡ณDa Nang, Vietnam2030+11y41 y/o$909/mo$907/mo$272,674
19.๐Ÿ‡ต๐Ÿ‡ฑPoznan, Poland2030+11y41 y/o$926/mo$924/mo$277,766
20.๐Ÿ‡น๐Ÿ‡ทIstanbul, Turkey2030+11y41 y/o$930/mo$929/mo$279,041
21.๐Ÿ‡ฒ๐Ÿ‡ฒYangon, Myanmar2030+11y41 y/o$950/mo$949/mo$285,008
22.๐Ÿ‡ฒ๐Ÿ‡ฝMexico City, Mexico2031+12y42 y/o$960/mo$958/mo$288,001
23.๐Ÿ‡จ๐Ÿ‡ฑSantiago, Chile2031+12y42 y/o$964/mo$963/mo$289,285
24.๐Ÿ‡ต๐Ÿ‡ฑLodz, Poland2031+12y42 y/o$983/mo$981/mo$294,864
25.๐Ÿ‡ท๐Ÿ‡ธBelgrade, Serbia2031+12y42 y/o$986/mo$984/mo$295,724
26.๐Ÿ‡น๐Ÿ‡ผTainan, Taiwan2031+12y42 y/o$1,022/mo$1,021/mo$306,516
27.๐Ÿ‡ญ๐Ÿ‡บBudapest, Hungary2032+13y43 y/o$1,067/mo$1,065/mo$320,007
28.๐Ÿ‡ฒ๐Ÿ‡ฆCasablanca, Morocco2032+13y43 y/o$1,077/mo$1,076/mo$323,070
29.๐Ÿ‡บ๐Ÿ‡ฆKiev, Ukraine2032+13y43 y/o$1,092/mo$1,090/mo$327,457
30.๐Ÿ‡จ๐Ÿ‡บHavana, Cuba2032+13y43 y/o$1,094/mo$1,093/mo$328,336
31.๐Ÿ‡ท๐Ÿ‡ดBucharest, Romania2033+14y44 y/o$1,105/mo$1,103/mo$331,416
32.๐Ÿ‡ง๐Ÿ‡ทSรฃo Paulo, Brazil2033+14y44 y/o$1,121/mo$1,119/mo$336,268
33.๐Ÿ‡ญ๐Ÿ‡ทZagreb, Croatia2033+14y44 y/o$1,146/mo$1,145/mo$343,797
34.๐Ÿ‡ฒ๐Ÿ‡พKuala Lumpur, Malaysia2033+14y44 y/o$1,149/mo$1,147/mo$344,685
35.๐Ÿ‡ฐ๐Ÿ‡ทDaejeon, South Korea2033+14y44 y/o$1,177/mo$1,176/mo$353,149
36.๐Ÿ‡ต๐Ÿ‡ฑKrakรณw, Poland2034+15y45 y/o$1,192/mo$1,190/mo$357,622
37.๐Ÿ‡ต๐Ÿ‡ฑWarsaw, Poland2034+15y45 y/o$1,200/mo$1,198/mo$359,863
38.๐Ÿ‡น๐Ÿ‡ญBangkok, Thailand2034+15y45 y/o$1,213/mo$1,211/mo$363,906
39.๐Ÿ‡ฐ๐Ÿ‡ทJeju Island, South Korea2034+15y45 y/o$1,216/mo$1,215/mo$364,805
40.๐Ÿ‡ท๐Ÿ‡บSaint Petersburg, Russia2034+15y45 y/o$1,227/mo$1,225/mo$367,959
41.๐Ÿ‡ช๐Ÿ‡ธTenerife, Spain2035+16y46 y/o$1,260/mo$1,258/mo$377,910
42.๐Ÿ‡ฑ๐Ÿ‡นVilnius, Lithuania2035+16y46 y/o$1,314/mo$1,313/mo$394,331
43.๐Ÿ‡ฉ๐Ÿ‡ชLeipzig, Germany2035+16y46 y/o$1,319/mo$1,317/mo$395,707
44.๐Ÿ‡ฏ๐Ÿ‡ตOkayama, Japan2035+16y46 y/o$1,331/mo$1,329/mo$399,383
45.๐Ÿ‡ต๐Ÿ‡ญMakati, Philippines2036+17y47 y/o$1,337/mo$1,335/mo$401,224
46.๐Ÿ‡ฏ๐Ÿ‡ตKitakyushu, Japan2036+17y47 y/o$1,370/mo$1,368/mo$410,923
47.๐Ÿ‡ช๐Ÿ‡ธValencia, Spain2036+17y47 y/o$1,379/mo$1,377/mo$413,705
48.๐Ÿ‡ต๐Ÿ‡ฑWrocล‚aw, Poland2036+17y47 y/o$1,385/mo$1,383/mo$415,563
49.๐Ÿ‡ฏ๐Ÿ‡ตSendai, Japan2036+17y47 y/o$1,390/mo$1,388/mo$416,957
50.๐Ÿ‡ฐ๐Ÿ‡ทBusan, South Korea2036+17y47 y/o$1,405/mo$1,404/mo$421,614
51.๐Ÿ‡ฏ๐Ÿ‡ตKagoshima, Japan2036+17y47 y/o$1,410/mo$1,409/mo$423,013
52.๐Ÿ‡น๐Ÿ‡ผTaipei, Taiwan2037+18y48 y/o$1,443/mo$1,441/mo$432,845
53.๐Ÿ‡จ๐Ÿ‡ณShanghai, China2037+18y48 y/o$1,449/mo$1,448/mo$434,724
54.๐Ÿ‡ฉ๐Ÿ‡ชDresden, Germany2037+18y48 y/o$1,471/mo$1,469/mo$441,319
55.๐Ÿ‡ง๐Ÿ‡ทRio de Janeiro, Brazil2038+19y49 y/o$1,539/mo$1,537/mo$461,741
56.๐Ÿ‡ฉ๐Ÿ‡ชStuttgart, Germany2039+20y50 y/o$1,615/mo$1,613/mo$484,354
57.๐Ÿ‡ต๐Ÿ‡นLisbon, Portugal2039+20y50 y/o$1,624/mo$1,623/mo$487,263
58.๐Ÿ‡ฏ๐Ÿ‡ตHamamatsu, Japan2039+20y50 y/o$1,624/mo$1,623/mo$487,263
59.๐Ÿ‡จ๐Ÿ‡ฟPrague, Czechia2040+21y51 y/o$1,681/mo$1,679/mo$504,331
60.๐Ÿ‡ฌ๐Ÿ‡ทAthens, Greece2040+21y51 y/o$1,706/mo$1,704/mo$511,698
61.๐Ÿ‡ท๐Ÿ‡บMoscow, Russia2040+21y51 y/o$1,709/mo$1,707/mo$512,683
62.๐Ÿ‡ฆ๐Ÿ‡นVienna, Austria2041+22y52 y/o$1,757/mo$1,755/mo$527,026
63.๐Ÿ‡ฐ๐Ÿ‡ทSeoul, South Korea2041+22y52 y/o$1,768/mo$1,766/mo$530,506
64.๐Ÿ‡ฏ๐Ÿ‡ตKobe, Japan2041+22y52 y/o$1,780/mo$1,778/mo$533,993
65.๐Ÿ‡ฏ๐Ÿ‡ตNagoya, Japan2041+22y52 y/o$1,797/mo$1,794/mo$538,987
66.๐Ÿ‡จ๐Ÿ‡ฆMontreal, Canada2041+22y52 y/o$1,802/mo$1,799/mo$540,488
67.๐Ÿ‡ฌ๐Ÿ‡งLiverpool, United Kingdom2041+22y52 y/o$1,803/mo$1,802/mo$540,988
68.๐Ÿ‡ธ๐Ÿ‡ชGothenburg, Sweden2041+22y52 y/o$1,817/mo$1,815/mo$544,998
69.๐Ÿ‡ฌ๐Ÿ‡งLeeds, United Kingdom2041+22y52 y/o$1,818/mo$1,816/mo$545,500
70.๐Ÿ‡ฉ๐Ÿ‡ชFrankfurt, Germany2042+23y53 y/o$1,898/mo$1,896/mo$569,252
71.๐Ÿ‡ฏ๐Ÿ‡ตOsaka, Japan2042+23y53 y/o$1,914/mo$1,913/mo$574,347
72.๐Ÿ‡ฉ๐Ÿ‡ชCologne, Germany2042+23y53 y/o$1,920/mo$1,917/mo$575,878
73.๐Ÿ‡ช๐Ÿ‡ธMadrid, Spain2043+24y54 y/o$2,009/mo$2,007/mo$602,633
74.๐Ÿ‡ช๐Ÿ‡ธBarcelona, Spain2043+24y54 y/o$2,011/mo$2,008/mo$603,152
75.๐Ÿ‡ฉ๐Ÿ‡ชBerlin, Germany2044+25y55 y/o$2,042/mo$2,040/mo$612,509
76.๐Ÿ‡ฏ๐Ÿ‡ตSapporo, Japan2044+25y55 y/o$2,085/mo$2,083/mo$625,587
77.๐Ÿ‡ฏ๐Ÿ‡ตKyoto, Japan2044+25y55 y/o$2,087/mo$2,085/mo$626,112
78.๐Ÿ‡ฏ๐Ÿ‡ตFukuoka, Japan2046+27y57 y/o$2,205/mo$2,203/mo$661,636
79.๐Ÿ‡ฏ๐Ÿ‡ตOkinawa City, Japan2046+27y57 y/o$2,229/mo$2,226/mo$668,609
80.๐Ÿ‡ฆ๐Ÿ‡บMelbourne, Australia2046+27y57 y/o$2,250/mo$2,247/mo$675,068
81.๐Ÿ‡ฏ๐Ÿ‡ตHiroshima, Japan2047+28y58 y/o$2,308/mo$2,306/mo$692,402
82.๐Ÿ‡ฏ๐Ÿ‡ตYokohama, Japan2047+28y58 y/o$2,330/mo$2,327/mo$698,943
83.๐Ÿ‡จ๐Ÿ‡ฆToronto, Canada2047+28y58 y/o$2,357/mo$2,354/mo$707,152
84.๐Ÿ‡ซ๐Ÿ‡ฎHelsinki, Finland2048+29y59 y/o$2,440/mo$2,437/mo$731,991
85.๐Ÿ‡ธ๐Ÿ‡ชStockholm, Sweden2048+29y59 y/o$2,462/mo$2,459/mo$738,669
86.๐Ÿ‡จ๐Ÿ‡ณHong Kong, China2050+31y61 y/o$2,639/mo$2,636/mo$791,786
87.๐Ÿ‡ซ๐Ÿ‡ทParis, France2050+31y61 y/o$2,653/mo$2,650/mo$795,800
88.๐Ÿ‡ธ๐Ÿ‡ฌSingapore, Singapore2050+31y61 y/o$2,662/mo$2,659/mo$798,671
89.๐Ÿ‡ฉ๐Ÿ‡ชMunich, Germany2050+31y61 y/o$2,668/mo$2,665/mo$800,396
90.๐Ÿ‡บ๐Ÿ‡ธPortland, United States2051+32y62 y/o$2,685/mo$2,682/mo$805,580
91.๐Ÿ‡ฏ๐Ÿ‡ตTokyo, Japan2052+33y63 y/o$2,868/mo$2,866/mo$860,530
92.๐Ÿ‡ฌ๐Ÿ‡งLondon, United Kingdom2054+35y65 y/o$3,020/mo$3,018/mo$906,055
93.๐Ÿ‡ฉ๐Ÿ‡ฐCopenhagen, Denmark2059+40y70 y/o$3,572/mo$3,569/mo$1,071,501
94.๐Ÿ‡บ๐Ÿ‡ธLos Angeles, United States2059+40y70 y/o$3,600/mo$3,596/mo$1,080,007
95.๐Ÿ‡ณ๐Ÿ‡ฑAmsterdam, Netherlands2059+40y70 y/o$3,639/mo$3,635/mo$1,091,839
96.๐Ÿ‡บ๐Ÿ‡ธNew York City, United States2063+44y74 y/o$4,018/mo$4,013/mo$1,205,266
97.๐Ÿ‡บ๐Ÿ‡ธSan Francisco, United States2068+49y79 y/o$4,677/mo$4,674/mo$1,403,174



version 0.2

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