A Pathless Tool

Location Arbitrage Calculator

Location arbitrage means earning or saving in one place and living somewhere that costs less. Compare two places and see what the difference does to your savings, your runway and your path to financial independence.

1 What life costs each month

Housingrent or mortgage, utilities $ $

Foodgroceries, eating out $ $

Healthinsurance and care $ $

Transport & phone $ $

Fun & travel $ $

Everything else $ $

Per month — —

2 Your money

Your age years Savings you could live oninvested or in the bank $ Income per year, after taxif you can take it with you: remote job, clients, online business. Leave at 0 if you’d stop working. $

Assumptions

Yearly return after inflation % Safe withdrawal rate4% is the classic rule of thumb % Currency

3 What changes

—

Life costs per year

Your savings lastif you stopped working

You could save per year

FIRE numberwhat you’d need invested to never have to work

Financially independent at

How this works

What the numbers miss

Visas, residency rules and how long you’re allowed to stay.
Taxes: where you’re tax resident, and whether your home country still taxes you.
Health insurance that works where you live, and getting care in your language.
Currency swings, if you earn in one currency and spend in another.
Flights home, and the distance from people you love.

A back-of-the-envelope estimate, not financial advice. Everything is in today’s money: the return is after inflation, and costs stay flat.

See every kind of financial independence, including Pathless FIRE, in the FIRE Calculator. Planning a stretch away rather than a move? Try the Sabbatical Planner.