FIRE by Country Calculator
How much do you need to retire early in Portugal, Thailand, Spain, and more? Compare FIRE numbers across countries.
Choose Your Country
Retire in Portugal
D7 passive-income visa, warm climate, EU healthcare
Default: €18,600/yr — adjust to your lifestyle
Country Comparison
| Country | Monthly Cost | SWR | FIRE Number (USD) |
|---|---|---|---|
| 🇵🇹 Portugal | €1,550 | 3.5% | $616,457 |
| 🇪🇸 Spain | €1,720 | 3.5% | $684,069 |
| 🇹🇭 Thailand | ฿53,500 | 3.5% | $513,600 |
| 🇫🇷 France | €2,150 | 3.5% | $855,086 |
| 🇲🇽 Mexico | MX$26,000 | 3.5% | $517,029 |
| 🇮🇹 Italy | €1,900 | 3.5% | $755,657 |
| 🇨🇴 Colombia | COP4,800,000 | 3.5% | $411,429 |
| 🇯🇵 Japan | ¥300,000 | 3.5% | $689,143 |
Frequently Asked Questions
Why is the FIRE number different by country?
Your FIRE number depends on your annual spending. Living in Thailand at 53,500 THB per month requires a much smaller portfolio than living in France at 2,150 EUR per month. We use the same 3.5% safe withdrawal rate for every country, which is more defensible than 4% over a long early retirement.
Should I keep my investments in USD?
Most FIRE expats keep their portfolio in USD or EUR and convert as needed. This protects against local currency devaluation. The FIRE number shown in local currency is for reference — your actual portfolio will likely remain in your home currency.
What about healthcare abroad?
Healthcare access for foreign retirees depends on the country and the visa: some EU countries open their public system to residents, others require private insurance. In Thailand, retirees generally need private health insurance, so get quotes for your age before setting your budget.