Geographic arbitrage calculator
What a cheaper place does to your retirement date: a lower target and a higher savings rate at once, from a 10% to a 40% cost-of-living reduction.
Same life, cheaper place
Nothing is saved. Assumes the move happens now, the difference is invested every month, a 6% annual return, and a withdrawal rate that drops the earlier you retire.
$/mo
$
$/mo
How much cheaper is the new place?
Stay put, retire at
age 54
$1,392,000 FI number
Move now, retire at
age 46
$974,400 FI number
A 30% cheaper life frees $1,200 a month to invest and lowers the target by $417,600. Together that moves retirement 8 years earlier.
See this with your real numbersReign knows what you actually spend, so the reduction starts from a real figure.
The idea behind it: Geographic arbitrage: the retirement lever that works twice