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.
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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!