What's great
I tested geoFIRE to see how well it handles multi-country retirement planning in practice.
The app gives you a clear picture of how your savings hold up when you split your year across different countries. The interface is clean, the structure makes sense, and you can understand your financial situation quickly without getting lost in complexity.
What I like is the focus: real cost-of-living data for 241 cities, Monte Carlo simulations that show you actual survival probability, and an AI advisor that suggests smarter location combinations based on your numbers.
If you're thinking about retiring abroad, living as a digital nomad, or just curious whether geo-arbitrage could work for you, geoFIRE is a solid and practical tool.
What needs improvement
It would be great to see historical backtesting added at some point, so you could run your plan against actual past decades, not just simulated ones. Also, a way to model different income phases (like part-time work until 55, then full retirement) would make the planning even more realistic. But for a launch version, the feature set is already impressive.
vs Alternatives
I looked at a few FIRE calculators before, like cFIREsim and FIRECalc. They're solid for single-location planning, but none of them let you model a life split across multiple countries. That's what made geoFIRE stand out. The combination of multi-city planning, Monte Carlo stress testing, and real cost-of-living data for 241 cities is something I haven't seen anywhere else.