What if you could retire to Lisbon, Bangkok, and Ubud — and know your money lasts?

Yes — 100% private. All your retirement planning data is stored exclusively in your browser's local storage. It never leaves your device. No account required, no data sent to our servers, no database. We literally cannot see your numbers. The only exception is the optional AI Advisor, which sends a plan summary to generate responses — this is processed in real-time and never stored. You can delete all data anytime by clearing your browser storage.

FIRE stands for Financial Independence, Retire Early — a movement focused on aggressive saving and investing to retire decades before the traditional age of 65. geoFIRE adds a geographic dimension: by modeling living costs across 240 cities worldwide, it shows how splitting your retirement between countries with different costs of living can dramatically reduce the amount you need to save, potentially cutting years off your working life.

A Monte Carlo Simulation is a statistical method that runs thousands of randomized scenarios to predict possible outcomes. Instead of showing one straight-line projection, geoFIRE runs 1,500 simulations with varying market returns, inflation rates, and currency fluctuations. The result is a probability distribution — for example, "your plan survives in 89% of scenarios" — giving you a realistic range of outcomes rather than a single optimistic guess.

A Black Swan is an unpredictable, high-impact event — like a 40% market crash, a lost decade of zero returns, or a sudden inflation spike. Named after Nassim Taleb's concept, geoFIRE's Black Swan stress tests simulate these extreme scenarios against your specific retirement plan to show whether your savings would survive. Traditional calculators ignore these risks entirely.

Geographic arbitrage (or geo-arbitrage) means leveraging the difference in living costs between countries. For example, retiring in Portugal or Thailand instead of Germany or Switzerland can reduce your monthly expenses by 40–60%, meaning your savings last significantly longer. geoFIRE lets you model exact split-year scenarios — such as 7 months in Lisbon and 5 months in Munich — and calculates the blended cost with real data from 240 cities.

The Spending Smile is a research-backed model showing that retirement spending isn't constant. In the early "Go-Go" years (60–70), people spend more on travel and hobbies. In the "Slow-Go" years (70–80), spending decreases. In the "No-Go" years (80+), it drops further — before rising again in late life due to healthcare costs. geoFIRE automatically applies these age-based adjustments to your plan for more realistic projections.

geoFIRE includes pre-filled cost data for 240 cities across 6 categories: utilities, everyday living, insurance, healthcare, transport, and luxury spending. These estimates are based on publicly available cost-of-living data and are meant as a realistic starting point. You can adjust every single number to match your personal lifestyle — which we strongly recommend for your primary retirement locations. Inflation rates are country-specific, sourced from IMF World Economic Outlook projections.

No. geoFIRE is a planning and simulation tool — not a licensed financial advisor. All projections are based on statistical models and user-provided data. Past performance and simulated outcomes do not guarantee future results. We recommend consulting a qualified financial advisor before making major retirement decisions.