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Can You Retire on $X in a Specific City?

The most-searched FIRE question, answered for 307 cities and 6 portfolio amounts. Real cost-of-living data, honest verdicts, the math behind them.

How these pages work

Each page applies the classic FIRE math — Bengen's 4% safe withdrawal rule — to a specific portfolio amount against the cost of living in a specific city. We show 4 withdrawal scenarios (3.25%, 3.5%, 4%, 5%), a cost-of-living breakdown, the country's tax context, and honest caveats about what our numbers don't include. You get a yes/no/tight verdict and concrete alternatives.

Classic Low-Cost FIRE Destinations

The cities most-searched by FIRE retirees looking for geographic arbitrage — established expat communities, reliable infrastructure, and costs where $500K–$1M can support comfortable retirement.

Chiang Mai ($1,200/mo)

$500K$1M$2M$3M

Medellin ($1,200/mo)

$500K$1M$2M$3M

Bali (Canggu) ($2,500/mo)

$500K$1M$2M$3M

Da Nang ($1,200/mo)

$500K$1M$2M$3M

Ho Chi Minh City ($1,200/mo)

$500K$1M$2M$3M

Mexico City ($2,500/mo)

$500K$1M$2M$3M

Tbilisi ($1,800/mo)

$500K$1M$2M$3M

Cuenca ($1,200/mo)

$500K$1M$2M$3M

Popular European & Latin American FIRE Cities

The heart of the Regular FIRE tier. Major expat destinations in Portugal, Spain, Czechia, Hungary, Greece, and Argentina — $1M–$2M typically works here.

Lisbon ($2,800/mo)

$1M$2M$3M$5M

Porto ($2,200/mo)

$1M$2M$3M$5M

Valencia ($2,500/mo)

$1M$2M$3M$5M

Prague ($2,500/mo)

$1M$2M$3M$5M

Budapest ($1,800/mo)

$1M$2M$3M$5M

Bucharest ($1,800/mo)

$1M$2M$3M$5M

Athens ($1,800/mo)

$1M$2M$3M$5M

Buenos Aires ($1,800/mo)

$1M$2M$3M$5M

Global Metros — Fat FIRE Territory

The world's most expensive cities. $3M+ is usually the realistic starting point; at lower amounts, see our alternative-city suggestions.

New York ($4,500/mo)

$2M$3M$5M$10M

San Francisco ($5,500/mo)

$2M$3M$5M$10M

London ($3,500/mo)

$2M$3M$5M$10M

Zurich ($3,612/mo)

$2M$3M$5M$10M

Tokyo ($3,500/mo)

$2M$3M$5M$10M

Sydney ($3,565/mo)

$2M$3M$5M$10M

Geneva ($3,822/mo)

$2M$3M$5M$10M

Copenhagen ($3,500/mo)

$2M$3M$5M$10M

Popular US Retirement Cities

US retirees often want to stay stateside. These are the most-searched domestic retirement destinations across tax-friendly and lifestyle-friendly states.

Austin ($4,500/mo)

$1M$2M$3M$5M

Miami ($4,500/mo)

$1M$2M$3M$5M

Denver ($2,828/mo)

$1M$2M$3M$5M

Portland ($2,509/mo)

$1M$2M$3M$5M

Seattle ($4,500/mo)

$1M$2M$3M$5M

Nashville ($2,826/mo)

$1M$2M$3M$5M

See How Each Amount Plays Out

Each card lands on a representative city where that portfolio amount is genuinely well-fit — not a forced match. Use the alternative-cities section on each page to explore other options.

$500K

Lean FIRE

→ in Chiang Mai

$1M

Coast FIRE threshold

→ in Medellín

$2M

Regular FIRE

→ in Lisbon

$3M

Chubby FIRE

→ in Porto

$5M

Fat FIRE

→ in Barcelona

$10M

Fat FIRE+

→ in Zurich

Build your personal retirement plan — free

These pages use standard FIRE assumptions. Your actual plan depends on your portfolio, expected return, tax situation, Social Security, and timeline. Create a free account to save your plan, track progress, and get AI coaching.

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