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FIRE Retirement Calculator

Find out exactly how much you need to retire early — with real numbers, tax impact included for SEA investors.

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Your Details

👤 Age Profile
years old

💰 Retirement Expenses
USD
USD — insurance, travel, hobbies, etc.

📈 Your Investments
USD
USD — or $2,000/month × 12
% — global ETF historical average ~7-8%
% — US average ~2-3%

🌏 SEA Investor Tax Settings
% on US ETF dividends
% of portfolio/year
% — most SEA countries: 0% for foreign stocks

📌 Tax Notes for SEA Investors

  • US ETF dividends are subject to 30% withholding by default
  • Tax treaty countries may reduce this to 10-15%
  • Capital gains on US stocks: most SEA countries = 0%
  • Ireland-domiciled ETFs (UCITS) may offer lower withholding
  • Always consult a local tax advisor for your situation
  • This calculator estimates impact — not official tax advice
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Your Results

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Calculate My FIRE Number