Add your Locations → Locations

Type a city name — the autocomplete covers 200+ cities worldwide with pre-filled costs. Assign months per year to each location (must total 12). Costs are split into 6 categories: utilities, living, insurance, health, transport, luxury.

Add Income Streams (optional) → Income

Pensions, rental income, part-time work, or any recurring cash flow. Set a start and end age for each stream. Income offsets your withdrawals and extends your capital.

Review Assumptions → Assumptions

Capital, savings rate, gross return, travel budget, large purchases, planning horizon. Tax rates and inflation are auto-set from your locations. The Retirement Spending Smile automatically reduces costs as you age — see the Age Phases section for details.

Read your Dashboard → Dashboard

Three key numbers: Safe Exit Age (when work becomes optional), Survival Gauge (how long your capital lasts), Risk Score (0–100 composite). Green = comfortable. Red = needs adjustment.

Stress-test and Simulate → Black Swan

Run Black Swan stress tests (market crash, inflation shock, etc.) and Monte Carlo simulations (1,500 randomised runs). These reveal how your plan holds up under extreme and uncertain conditions.

Compare Scenarios → Compare

Save snapshots of different plans (e.g. 'Portugal-heavy' vs 'Thailand-mix'), then pick any two to compare side by side. You'll see the difference in Safe Exit Age, burn rate, risk, and capital projections. You can also load a snapshot back into your main plan or generate a report directly from it.

Export your Report → Export Report

Generate a professional HTML report with SVG charts (capital projection, cost breakdown, Monte Carlo gauge), year-by-year tables, and a disclaimer. Print-ready and shareable.

Ask the AI Advisor → AI Advisor

Chat with the geoFIRE AI Advisor — it has full access to your plan data and gives you personalised analysis. Ask questions like 'Am I on track?', 'Find cheaper alternatives', or 'What if markets crash?' The advisor analyses your actual numbers and provides data-driven insights.

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Safe Exit Age

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Survival Gauge

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Risk-O-Meter

Autocomplete with pre-filled living costs, automatic country and tax rate assignment.

Age-based cost adjustment across 4 phases (Go-Go, Slow-Go, No-Go, Late-Life). Spending naturally decreases mid-retirement, then may rise for healthcare.

Model pensions, rental income, part-time work, or dividends. Each stream has a start/end age — they offset your withdrawals automatically.

Five catastrophic scenarios: Market Crash (−40%), Lost Decade, Inflation Shock, Tax Shock, Personal Crisis. See your survival age under each.

1,500 randomised simulations with stochastic returns and inflation. Shows survival probability and P5–P95 outcome range.

Save named snapshots of your plan, then compare any two side by side. Load a snapshot as your main plan or generate a report directly from it.

Professional HTML report with inline SVG charts, print-optimised layout, year-by-year projection table, and disclaimer. No JavaScript needed to view.

Chat-based AI assistant that analyses your actual plan data and provides personalised insights on sustainability, cost optimisation, tax strategy, and risk scenarios.