Retirement abroad calculator

How Much Do You Need to Retire Abroad?

Estimate comfortable destination spending, project it to retirement, and separate the portfolio, property capital, and reserve you may need.

Choose your planning currency below. Destination data is normalized in today's USD before conversion.

How much capital does retirement abroad require?

Across the Atlas, a couple renting for a 30-year retirement needs about $1,777,243 to $5,033,057. A single retiree needs about $1,162,157 to $3,291,300.

Standardized comparison in today's USD, using destination living costs, a 3.5% withdrawal rate, a 12-month reserve, and no outside income. Your result will change with your age, housing and income.

Representative couple-renting benchmarks
DestinationAnnual spendingCapital needed
Da Nang / Hoi An$60,100$1,777,243
Queenstown$87,400$2,584,543
Lake Tahoe$132,200$3,909,343
Swiss Valais / Vaud Alps$170,200$5,033,057

See the full destination ranking and assumptions

Your retirement

Reference rates dated 27 August 2026. This changes the presentation currency, not future currency-risk assumptions.

Destination and housing

Monthly retirement living expenses, including rent.

Prefilled with today's representative destination price. Edit it to match the home you expect to buy.

The selected destination’s modeled acquisition-cost allowance—or explicit exclusion—is shown here.

Income you receive now (monthly)

Income rises annually with general inflation and the selected share is invested monthly.

Monthly contribution: $0

Income continuing after retirement (annual)

Use after-tax amounts expected to continue in retirement. Do not include dividends from the portfolio being calculated.

Only include income from a separate rental property. Leave at zero when your destination home is for your own use.

Portfolio assumption

Required. Enter your own straight-line return assumption; this is not a guaranteed return or probability-of-success estimate.

to explore the model; it is not a forecast or recommendation.

Advanced assumptions

Your planning estimate

Complete the inputs and calculate.

Enter your assumptions to see what to invest today and each month.

Needed today—
Needed at retirement—
Monthly contribution—

Compare monthly living expenses

How to read this estimate

By Global Home Atlas Research Team · Data reviewed 2026-08-18

The model projects destination expenses and reliable retirement income, then separates the portfolio, reserve, and property capital needed under the return you enter. Portfolio dividends and interest remain inside that return rather than being counted twice.

Not included: Tax, visa eligibility, currency shocks, individualized healthcare and investment advice. Verify these separately before acting.

Read the methodologyFind destinations your plan can supportPlan a retirement property purchaseCompare active FIRE Abroad destinations

Destination cost sources

Retirement plans by capital

$500,000$750,000$1 million$1.5 million$2 million

Frequently asked questions

How much do I need to retire abroad?

The answer depends on your destination, household, housing plan, retirement date, reliable outside income, and planning horizon. This calculator estimates annual spending first, then separates the liquid portfolio, property capital, and emergency reserve required.

How does the calculator handle inflation?

It projects each expense for every year in the retirement horizon. Healthcare and property-related costs can use different assumptions from general living costs, while indexed income rises with inflation and fixed income does not.

How are pensions and passive income treated?

After-tax pensions, annuities, existing net rental income, and other reliable non-portfolio income reduce the first-year funding gap. Each stream can be treated as inflation-linked or fixed.

Does the result include buying a retirement property?

Yes. Buy now shows today's purchase cost separately and does not mix it with retirement-year capital. Buy at retirement projects the purchase price and acquisition costs to retirement. Rent and already-own scenarios do not add a new purchase.

Why are portfolio dividends and interest not subtracted as passive income?

Portfolio dividends and interest are part of the expected portfolio return, not outside income. Counting them separately would understate the portfolio required.