Start Your financial independence journey

View of a sailboat on calm waters during sunset, with the deck and sails visible and a distant shoreline with buildings in the background.
A financial chart titled 'Road to Financial Independence' showing age on the x-axis and portfolio value in dollars on the y-axis. The chart includes a stacked area graph with segments for initial portfolio, contributions, returns, and total net worth, reaching over 1 million dollars by age 39. The current savings rate is 50%, with financial independence expected at age 39.9, and the target portfolio value is 1 million dollars.
Desk with financial charts, a calculator, papers, a smartphone, and dual monitors displaying stock market graphs.
A couple and a woman on a wooden staircase outside a treehouse overlooking a scenic coastal landscape in Bali, Indonesia, with rocky islands, water, and a cloudy sky.
A person hiking on a narrow trail atop a mountain ridge during sunset, surrounded by green mountain slopes.
Wooden walkway leading to a rocky coastal area in Algarve, Portugal, with ocean waves, green shrubs, and a distant cliff under partly cloudy sky.
A woman with a hat standing on grass near large rock formations, watching hot air balloons in the sky, as a man with a backpack and hat takes photographs of the scene.
A person in a red jacket and black pants walking on a red, dusty trail in a mountainous area with fog and mist around.

Dreaming of Early Retirement?

Use our free Financial Independence Calculator:

✅ See your baseline FI timeline — how many years you have left.

✅ Run “what-if” scenarios by adjusting savings, spending, and location.

✅ Discover how small tweaks can fast-track your early retirement.

✅ See how relocating to lower-cost countries shortens your FI timeline.

Our data-driven Financial Independence Calculator estimates your early retirement target portfolio (FI number) and timeline to Financial Independence. Explore also whether you can accelerate FI by retiring abroad in a lower cost-of-living location.
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🌍 Dreaming of Retiring Somewhere Better?

Try our free Retirement Relocation Tool — find your best destinations for retirement in minutes.

✅ 🌍 Rank 100+ countries by cost of living, healthcare, safety, climate, and more.

🧭 Adjust sliders to personalize your search across 9 lifestyle and financial factors — see below.

💰 Compare destinations visually to see where your retirement savings stretch furthest.

📊 Filter by continent and instantly reveal top-ranked countries that fit your priorities.

A scatter plot titled 'Retirement Suitability vs Cost of Living' showing data points for various countries colored by continent: orange for America, blue for Europe, green for Asia, red for Africa, and purple for Oceania. The x-axis represents 'Retirement Suitability' ranging from 0 to 100, and the y-axis represents 'Cost of Living' ranging from 0 to 100.
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