Where To FIRE

What it does

Free FIRE calculator that compares early retirement across 24 countries. Enter your portfolio and spending see how taxes, cost of living, and healthcare change your FIRE number. Real tax data, Monte Carlo simulations, and CoastFIRE analysis included.

Compare early retirement across countries. Calculate your FIRE number, compare taxes, cost of living, and visa requirements for retiring abroad.

FIRE stands for Financial Independence, Retire Early — saving and investing aggressively so your portfolio can cover your living expenses without needing to work. The total savings you need to retire. Calculated as your annual spending ÷ 4% (the "safe withdrawal rate"). Withdraw 4% of your portfolio yearly and historically it lasts 30+ years. We use this to calculate your FIRE number. Different countries have different tax rates and living costs. You might retire years earlier abroad! Example: If you spend $40,000/year, your FIRE number is $1,000,000 ($40K ÷ 4%). But in Portugal with lower costs, you might only need $600,000! Public healthcare available. Many expats use private…from wheretofire.com

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