I fell in love with too many places to choose just one. So I built a retirement planner for people like me — expats, nomads, and anyone dreaming of splitting life between countries. 241 cities. Monte Carlo. AI advisor. Free to start.
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.
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.
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.
Ran my retirement numbers through this last nigth. The Monte Carlo engine is legit. 1,500 iterations plus historical crash scenarios applied to your actual portfolio. That's not something I've seen in other FIRE tools.
What got me hooked: I modeled Munich full-year vs splitting time with Cape Town. The cost delta alone buys me almost four extra years before the money runs out. Seeing that quantified with real IMF inflation data per country instead of a flat 2% assumption was an eye-opener.
Architecture note for the technical folks: everything runs client-side, data stays in localStorage, no backend. Clean approach for a financial tool.
One thing I'd want eventually: JSON import/export for scenarios so I can version my assumptions outside the UI.
Hey Product Hunt! 👋
Most financial planning tools have a huge blind spot: they assume you'll stay in one place forever.
As someone who spent years building tech in Beijing, Singapore, San Francisco, and Munich, that never sat right with me. I didn't want a 'one-city-life.' I wanted to know: Can I actually afford to split my year between Bali, Munich, and Seoul... long term?
When I couldn't find a tool built for 'borderless lives,' I built a massive spreadsheet. After my friend Peter used it to plan his move to Ubud, Bali, he told me: 'Kai, you need to turn this into a product.'
So I did. geoFIRE is financial planning for people who don't fit into a single country.
What it does:
Multi-Country Planning: Split your year (e.g., 4 months Lisbon, 6 months Ubud, 2 months Munich).
241 Cities: Pre-filled with cost-of-living data, or add your own.
Risk Analysis: 1,500 Monte Carlo scenarios to calculate your Success Probability.
Stress Tests: See how your plan holds up against a 2008-style crash or stagflation.
AI Advisor: Data-driven suggestions for cheaper, high-quality alternatives to your favorite hubs.
Privacy First: 100% private. No accounts, no servers: your data stays in your browser.
Pricing: Free to start. PRO $39 lifetime. PRO+ AI $7.90/mo.
I built this for the expats, nomads, and global souls who don't fit into a single box. Happy to answer any questions — I'd love to hear your feedback!
Which cities are in your dream split? 🌍
Kai
Some context on why this exists and what makes it different:
THE PROBLEM
Every FIRE calculator I tried assumes one location, one tax rate, one cost of living, forever. But the people I know (expats, digital nomads, anyone with ties to multiple countries) don't live that way. They split their year. They geo-arbitrage. They need a tool that reflects how they actually live.
WHAT'S UNIQUE
Multi-country split-year planning. No other tool does this. Set 4 months Lisbon, 6 months Bali, 2 months Munich. geoFIRE calculates blended costs with country-specific taxes and inflation rates (IMF data for 59 countries).
STRESS-TESTING
A single projection is a fairy tale. We run 1,500 Monte Carlo scenarios, then hit your plan with Black Swan events: 2008 crash (-37%), dot-com (-49%), COVID, stagflation. You see survival probability, not just a line going up.
THE AI TWIST
The AI advisor doesn't just answer questions. It proactively scans all 241 cities: "Your plan fails in year 14? Switch Munich for Lisbon and you last 26 years." Geographic arbitrage, powered by your actual numbers.
PRIVACY
This was non-negotiable. Zero data leaves your browser. No account, no server, no tracking. Your financial data is yours alone.
Try it free at https://geofire.neomojo.app — feedback very welcome!
Thank you for the detailed review! Really glad the multi-country split-year approach resonated with you. That's exactly the gap I kept running into with other calculators.
Great suggestions on historical backtesting and time-staged income modeling. Both are on the roadmap. Being able to validate against actual past decades instead of just simulations would add a whole new layer of confidence. And modeling income phases like part-time work transitioning into full retirement is something several people have asked about already.
Appreciate you taking the time to compare against cFIREsim and FIRECalc. That context really helps others understand where geoFIRE fits in. Thanks for the support!