💰 Smart Retirement Calculator - Find Your Freedom Number

🌟 Why Calculate Your Retirement Needs?

Comprehensive financial planning solution that helps you:

📌 Step-by-Step Guide

Step 1: Personal Information

Enter your current age, target retirement age, and life expectancy

Step 2: Expense Setup

Input monthly living costs and estimated inflation rate

Step 3: Financial Status

Provide current savings and expected investment returns

Step 4: Get Results

Receive detailed retirement plan instantly

🔢 Retirement Calculator

📊 Your Retirement Plan

5 Steps to Early Retirement

🚀 Step 1: Calculate Your FI Number (IF you want to retire earlier => Use the Retirement Calculator above)

Financial Independence (FI) occurs when your investments cover living expenses. Use the 4% rule:
FI Number = Annual Expenses × 25

💸 Step 2: Optimize Savings Rate

Aim for 50-70% savings rate:

  • Reduce housing costs
  • Cut discretionary spending
  • Increase income streams
📈 Step 3: Strategic Investing

Focus on:

  • Low-cost index funds (VTI, VXUS)
  • Tax-advantaged accounts (401k, IRA)
  • Diversified portfolio allocation
🌍 Step 4: Geographic Arbitrage

Consider lower-cost living areas:

  • SE Asia: Thailand, Vietnam
  • Latin America: Mexico, Colombia
  • Europe: Portugal, Georgia
🛠️ Step 5: Withdrawal Strategy

Follow safe withdrawal methods:

  • 4% Rule (Trinity Study)
  • Variable percentage withdrawal
  • Bucket strategy (cash buffer)

❓ Frequently Asked Questions

Why calculate retirement needs early?

Early retirement calculation helps leverage compound growth and creates clear financial milestones.

How accurate are these calculations?

Our algorithm accounts for inflation, life expectancy, and investment growth to provide reliable estimates.