All Portfolio Tiers
Where Can You Retire on $3M?127 cities worldwide
Using the 4% safe withdrawal rule, a $3M portfolio generates $10,000/month. Here are every city where that's enough to retire — and where you're close.
Comfortable FIRE
127
cities across 51 countries
Lean FIRE Possible
0
additional cities
Monthly Income
$10,000
at 4% withdrawal
Cheapest comfortable option: 🇮🇳 Coimbatore, India at $180K — leaving you a $2.82M buffer. Of the 127 cities we track, you're within reach of 100%.
The FIRE Numbers below use the 4% rule benchmark and price a one-person household. City pages backtest your own plan against market history, so the personalized figure there changes with your retirement length, confidence level, and household size.
Comfortable Retirement (127 cities)
| City | FIRE Number | Buffer |
|---|---|---|
| 🇮🇳Coimbatore | $180K | +$2.82M |
| 🇳🇵Kathmandu | $183K | +$2.82M |
| 🇱🇰Colombo | $278K | +$2.72M |
| 🇮🇳Chennai | $281K | +$2.72M |
| 🇮🇳Goa | $296K | +$2.7M |
| 🇮🇳Bengaluru | $338K | +$2.66M |
| 🇮🇳Delhi | $365K | +$2.63M |
| 🇪🇨Quito | $515K | +$2.48M |
| 🇧🇷Florianópolis | $521K | +$2.48M |
| 🇹🇭Chiang Mai | $534K | +$2.47M |
| 🇨🇳Chengdu | $537K | +$2.46M |
| 🇪🇨Cuenca | $551K | +$2.45M |
| 🇲🇽Cozumel | $555K | +$2.44M |
| 🇻🇳Da Nang | $563K | +$2.44M |
| 🇬🇪Tbilisi | $572K | +$2.43M |
| 🇬🇷Chania | $596K | +$2.4M |
| 🇲🇾George Town | $600K | +$2.4M |
| 🇲🇽Lake Chapala | $605K | +$2.4M |
| 🇨🇴Medellín | $606K | +$2.39M |
| 🇯🇴Amman | $620K | +$2.38M |
| 🇵🇭Cebu | $630K | +$2.37M |
| 🇪🇸Valencia | $649K | +$2.35M |
| 🇬🇷Athens | $651K | +$2.35M |
| 🇪🇸Málaga | $655K | +$2.35M |
| 🇻🇳Ho Chi Minh City | $681K | +$2.32M |
| 🇹🇳Tunis | $684K | +$2.32M |
| 🇨🇴Cartagena | $696K | +$2.3M |
| 🇵🇹Porto | $707K | +$2.29M |
| 🇭🇷Split | $714K | +$2.29M |
| 🇲🇾Kuala Lumpur | $720K | +$2.28M |
| 🇨🇱Santiago | $723K | +$2.28M |
| 🇲🇦Marrakech | $732K | +$2.27M |
| 🇮🇩Bali | $744K | +$2.26M |
| 🇺🇾Montevideo | $747K | +$2.25M |
| 🇲🇽Playa del Carmen | $765K | +$2.23M |
| 🇹🇭Bangkok | $774K | +$2.23M |
| 🇦🇷Buenos Aires | $777K | +$2.22M |
| 🇭🇺Budapest | $781K | +$2.22M |
| 🇨🇿Prague | $816K | +$2.18M |
| 🇹🇷Istanbul | $822K | +$2.18M |
| 🇹🇼Taipei | $828K | +$2.17M |
| 🇪🇪Tallinn | $833K | +$2.17M |
| 🇪🇸Barcelona | $835K | +$2.17M |
| 🇵🇹Lisbon | $845K | +$2.15M |
| 🇰🇪Nairobi | $867K | +$2.13M |
| 🇯🇵Tokyo | $918K | +$2.08M |
| 🇭🇷Dubrovnik | $918K | +$2.08M |
| 🇲🇽Mexico City | $933K | +$2.07M |
| 🇮🇹Rome | $944K | +$2.06M |
| 🇨🇦Quebec City | $953K | +$2.05M |
| 🇨🇷San José | $969K | +$2.03M |
| 🇩🇪Berlin | $1.04M | +$1.96M |
| 🇬🇧Edinburgh | $1.05M | +$1.95M |
| 🇫🇷Nice | $1.05M | +$1.95M |
| 🇬🇭Accra | $1.06M | +$1.94M |
| 🇨🇦Halifax | $1.06M | +$1.94M |
| 🇳🇿Auckland | $1.08M | +$1.92M |
| 🇰🇷Seoul | $1.08M | +$1.92M |
| 🇨🇦Kelowna | $1.09M | +$1.91M |
| 🇵🇦Panama City | $1.11M | +$1.89M |
| 🇿🇦Cape Town | $1.11M | +$1.89M |
| 🇴🇲Muscat | $1.14M | +$1.86M |
| 🇨🇦Victoria | $1.17M | +$1.83M |
| 🇺🇸Fargo | $1.18M | +$1.82M |
| 🇺🇸Sioux Falls | $1.19M | +$1.81M |
| 🇺🇸Wausau | $1.2M | +$1.8M |
| 🇳🇱Amsterdam | $1.22M | +$1.78M |
| 🇫🇷Paris | $1.23M | +$1.77M |
| 🇺🇸Midland | $1.23M | +$1.77M |
| 🇺🇸Omaha | $1.24M | +$1.76M |
| 🇦🇺Melbourne | $1.24M | +$1.76M |
| 🇨🇦Vancouver | $1.25M | +$1.75M |
| 🇺🇸Chattanooga | $1.26M | +$1.74M |
| 🇺🇸Albuquerque | $1.27M | +$1.73M |
| 🇺🇸Pittsburgh | $1.27M | +$1.73M |
| 🇺🇸Tucson | $1.28M | +$1.72M |
| 🇺🇸Des Moines | $1.29M | +$1.71M |
| 🇺🇸Cincinnati | $1.29M | +$1.71M |
| 🇺🇸San Antonio | $1.32M | +$1.68M |
| 🇺🇸Knoxville | $1.32M | +$1.68M |
| 🇺🇸Madison | $1.33M | +$1.67M |
| 🇺🇸Greenville | $1.33M | +$1.67M |
| 🇺🇸Reno | $1.35M | +$1.65M |
| 🇺🇸Minneapolis | $1.35M | +$1.65M |
| 🇺🇸Las Vegas | $1.35M | +$1.65M |
| 🇦🇺Sydney | $1.39M | +$1.61M |
| 🇺🇸Fort Worth | $1.39M | +$1.61M |
| 🇺🇸Charlotte | $1.4M | +$1.6M |
| 🇺🇸Portland | $1.4M | +$1.6M |
| 🇺🇸Boise | $1.41M | +$1.59M |
| 🇺🇸Salt Lake City | $1.41M | +$1.59M |
| 🇵🇷San Juan | $1.44M | +$1.56M |
| 🇧🇧Barbados | $1.45M | +$1.55M |
| 🇺🇸Austin | $1.45M | +$1.55M |
| 🇺🇸Asheville | $1.45M | +$1.55M |
| 🇺🇸Raleigh | $1.45M | +$1.55M |
| 🇺🇸Savannah | $1.47M | +$1.53M |
| 🇺🇸Jacksonville | $1.47M | +$1.53M |
| 🇺🇸Philadelphia | $1.53M | +$1.47M |
| 🇺🇸Santa Fe | $1.53M | +$1.47M |
| 🇬🇧London | $1.54M | +$1.46M |
| 🇺🇸Seattle | $1.54M | +$1.46M |
| 🇺🇸Denver | $1.56M | +$1.44M |
| 🇺🇸Nashville | $1.56M | +$1.44M |
| 🇺🇸Scottsdale | $1.61M | +$1.39M |
| 🇺🇸Chicago | $1.62M | +$1.38M |
| 🇺🇸Charleston | $1.62M | +$1.38M |
| 🇨🇭Lugano | $1.63M | +$1.37M |
| 🇺🇸Tampa | $1.65M | +$1.35M |
| 🇺🇸Sarasota | $1.72M | +$1.28M |
| 🇦🇪Dubai | $1.72M | +$1.28M |
| 🇭🇰Hong Kong | $1.73M | +$1.27M |
| 🇨🇭Basel | $1.73M | +$1.27M |
| 🇨🇭Lausanne | $1.74M | +$1.26M |
| 🇺🇸San Diego | $1.78M | +$1.22M |
| 🇺🇸Boston | $1.82M | +$1.18M |
| 🇺🇸Honolulu | $1.96M | +$1.04M |
| 🇨🇭Geneva | $1.96M | +$1.04M |
| 🇨🇭Zurich | $1.99M | +$1.01M |
| 🇺🇸Los Angeles | $2.02M | +$982K |
| 🇸🇬Singapore | $2.02M | +$978K |
| 🇨🇭Zug | $2.02M | +$975K |
| 🇺🇸Washington D.C. | $2.04M | +$960K |
| 🇺🇸Miami | $2.25M | +$750K |
| 🇺🇸San Francisco | $2.25M | +$748K |
| 🇺🇸San Jose | $2.25M | +$747K |
| 🇺🇸New York | $2.71M | +$285K |
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