Geographic Arbitrage Calculator

The Geographic Arbitrage Calculator helps you see how much your choice of location actually changes your retirement number. Since your FIRE number is just your annual expenses divided by your withdrawal rate, a move from San Francisco to Lisbon doesn't just lower your cost of living today, it shrinks the target you're chasing and increases your savings rate at the same time. That compounding effect on both sides of the equation is what makes geo arb so powerful, and this calculator puts a real number on it by letting you compare any two cities side by side, showing you exactly how many years earlier you could retire by changing where you live.