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.

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)

Enter dependable amounts before destination tax. 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.

Tax planning

Use a destination capital-gains tax estimate or figures you already know are after tax. The initial screen assumes a full-year relocation.

Annual portfolio withdrawals are calculated from annual retirement spending minus dependable income. Because the cost basis is unknown, the range applies current destination rules assuming 0%, 50%, and 100% of each withdrawal is a realized gain; 50% is the estimate.

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

Add a return assumption, then calculate.

Your estimate will appear here after you add a return assumption.

Monthly contribution—
Retirement capital—
Property capital—

Compare monthly living expenses

How much capital does retirement abroad require?

Across the Atlas, a couple renting for a 30-year retirement needs about $1,724,014 to $5,033,057. A single retiree needs about $1,024,650 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
DubaiAnnual spending$58,300Capital needed$1,724,014
QueenstownAnnual spending$87,400Capital needed$2,584,543
Innsbruck / TyrolAnnual spending$128,800Capital needed$3,808,800
Swiss Valais / Vaud AlpsAnnual spending$170,200Capital needed$5,033,057

See the full destination ranking and assumptions

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. For supported countries, it applies current destination capital-gains rules to a clearly disclosed range of realized gains. Portfolio dividends and interest remain inside the return rather than being counted twice.

Not included: Home-country tax, treaty interaction, account-specific reliefs, losses, other income taxes, filing costs, visa eligibility, currency shocks, individualized healthcare, or investment advice.

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.