When and Where Will You Be Free?

Calculate how much you need to never work again — anywhere in the world.

Your FIRE Number
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Where do you want to retire?
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Lifestyle

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How It Works & Data Sources ▶

FIRE Number = Annual Withdrawal / Safe Withdrawal Rate. The annual withdrawal covers your living expenses plus taxes on those withdrawals. The 4% rule is based on the Trinity Study.

Expenses include housing (rent or mortgage + property tax), groceries, dining, transport, utilities, internet, entertainment, healthcare, and children. Lifestyle multiplier: Frugal 0.7x, Moderate 1.0x, Comfortable 1.4x on variable costs; housing uses a dampened multiplier (Frugal 0.85x, Moderate 1.0x, Comfortable 1.2x).

Healthcare (US): ACA marketplace Silver plan premiums. Spouse adds ~95%, each child ~60% of base. International: private insurance estimates.

Taxes: Federal progressive brackets + state tax (where applicable). Assumes 50% ordinary income / 50% long-term capital gains withdrawal mix.

Investment Resources — How to generate stable cash flow from your FIRE portfolio:

  • VTI / VTSAX — Total US stock market index (low-cost, broad diversification)
  • VXUS — Total international stock index (global diversification)
  • VYM / SCHD — High-dividend ETFs (~3-4% yield, stable quarterly payouts)
  • BND — Total bond market ETF (lower volatility, steady income)
  • VNQ — Real estate investment trust (REIT) index (real estate exposure, ~3-4% yield)
  • I-Bonds — US Treasury inflation-protected savings bonds (inflation hedge, $10K/yr limit)
  • Three-Fund Portfolio — The Bogleheads approach: US stocks + international stocks + bonds
  • Safe Withdrawal Rate Series — Big ERN's deep-dive on the 4% rule and portfolio survival

Data sources: HUD Fair Market Rents, Zillow, BLS CPI, KFF marketplace data, Tax Foundation, Numbeo, official embassy sites.

Disclaimer: All figures are estimates for planning purposes. Tax calculations are simplified. Investment links are for reference only — not financial advice. Visa requirements change — always verify with official sources.