Financial Independence, Retire Early — Fat FIRE with Geo-Arbitrage Strategy
Currently renting. Toggle ON to model buying a home — replaces rent with mortgage, adds equity building, property tax, insurance, and maintenance.
Disabled. Toggle ON to model a second property. Added on TOP of your primary home — so if you're already a homeowner, this adds extra carrying costs.
| Category | Monthly ($) | Annual ($) | % of Income |
|---|---|---|---|
| TOTAL | — | — | — |
Click a country to set it as your primary FIRE target. Use filters to narrow down.
SS benefits are based on your highest 35 years of earnings. With only a few years of US work history, most of those 35 slots are $0 — drastically reducing your real benefit. Your FIRE has three phases: FIRE→59.5 (taxable only) → 59.5→SS (401K unlocks) → SS onward.
| Year | SS Earnings | Cr |
| Strategy | End @ plan age | Lifetime tax | Earliest FIRE | Action |
|---|
Save a snapshot of your current numbers whenever you update them. OBJ = objective (real number from account), EST = estimated/projected. Only objective fields are tracked for changes.
| Date | Net Worth | Accessible | 401K OBJ | Person 1 Stocks OBJ | Person 2 Stocks OBJ | Cash OBJ | Income OBJ | Monthly Spend OBJ | Savings Rate | FIRE Target | Yrs to FIRE | Target 🌏 | Adults ? | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No snapshots yet. Save your first one below! | ||||||||||||||