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Getting Started

How detailed do you want your retirement plan?

Both modes tell you when you can retire. Advanced just takes a few more minutes and gives a significantly more accurate picture.

⚡
Quick Estimate
Answer 4 questions. Get your retirement age in under 60 seconds. Great for a ballpark number.
4 questions · ~1 min
🔬
Full Analysis
Includes spending breakdown, location, other income, and investment style. Much more accurate.
8 questions · ~4 min
✓
Your Finances

Tell us where you stand today

We'll use this as the baseline to calculate exactly when you can stop working.

yrs
$
$
$
Please fill in all fields with valid values.
Retirement Spending

How much will you spend each year in retirement?

Think about what your life actually costs — not what you earn today. Most retirees need 70–80% of their pre-retirement income.

$
Please enter a valid spending amount.
Retirement Spending

Build your retirement budget

Breaking spending into categories gives a far more accurate picture than a single number. Fill in what applies — leave at $0 if not relevant. All figures are monthly.

🏠 Housing (rent/mortgage, HOA, repairs)
$
🚗 Transport (car, insurance, gas, transit)
$
🍽️ Food (groceries + dining out)
$
🏥 Healthcare (premiums, copays, dental)
$
✈️ Travel & Leisure (vacations, hobbies, entertainment)
$
🛍️ Personal & Misc (clothing, subscriptions, gifts)
$
👨‍👩‍👧 Family (dependents, college support, eldercare)
$
📦 Other
$
Estimated Monthly Total
$0
Annual equivalent: $0 — this is the number used in your retirement calculation.
Please enter at least one spending category.
Investment Strategy

How will your money grow?

Select a preset or enter your own expected annual return. Historical US stock market average is ~10% nominal, ~7% after inflation.

Conservative
Bonds-heavy, CDs, money market. Minimal volatility.
4%
Balanced — Suggested
60/40 stocks/bonds mix. Moderate growth, moderate risk.
7%
Aggressive Growth
Index funds, ETFs, equity-heavy. Long time horizon required.
9%
Custom Rate
Enter your own expected annual return.
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Enter your expected annual return (%)
% / yr
Please select or enter a return rate.
Where You'll Live

Where do you plan to retire?

Location dramatically impacts how far your money goes. Listed from most affordable to most expensive.

🌏
Southeast Asia or Latin America — Budget
Thailand, Vietnam, Colombia, Mexico (non-tourist areas). Low cost of living, warm climate, growing expat communities. Healthcare is affordable and often high quality.
~$20–30k/yradjusted multiplier
🌍
Eastern Europe or Central America
Portugal, Hungary, Czech Republic, Costa Rica, Panama. Great infrastructure, EU access (Portugal), modern amenities. Popular with FIRE community for the balance of quality and cost.
~$30–45k/yradjusted multiplier
🏘️
US — Rural or Small Town
Midwest, South, Appalachian region. Lower housing costs, no state income tax in some states (TX, FL, TN). Familiar systems, proximity to family. Less amenities than cities.
~$40–55k/yradjusted multiplier
🇺🇸
US — Mid-Size City · Default
Denver, Austin, Nashville, Phoenix, Raleigh. Urban amenities without coastal price tags. Strong job markets if semi-retired. Good baseline for calculation.
~$55–75k/yradjusted multiplier
🏙️
US — Major Metro
New York, Los Angeles, Chicago, Boston, Seattle, Miami. High housing costs, but world-class culture, healthcare, and transport. Requires a larger portfolio.
~$75–110k/yradjusted multiplier
🗼
Western Europe, Australia or Japan
UK, France, Germany, Switzerland, Australia, Japan. Strong social safety nets, universal healthcare in many countries, high quality of life. Higher taxes and cost of living.
~$80–120k/yradjusted multiplier
Other Income Sources

Will you have income beyond your portfolio?

Any income that reduces how much your investments need to cover. This is separate from your investment returns — it's money coming in from other sources.

💼 Part-time work 🏠 Rental property 📈 Dividends 🏛️ Pension 🌐 Online business 👴 Social Security 🎨 Freelance / consulting 💸 Inheritance
$
⚠ Important: Do not include returns from your investment portfolio here. This field is for income from completely separate sources — rental income, a pension, Social Security, part-time work, etc. Your investment portfolio withdrawals are calculated separately using the 4% rule.
Final Step

Almost there — one last thing

A simple investment assumption to complete your estimate. You can adjust this later.

Conservative
Bonds, CDs, low-risk assets
4%
Balanced — Suggested
Mix of stocks and bonds
7%
Aggressive
Index funds, equity-heavy
9%