Relocation, cross-border FI
How far your money goes, wherever you land.
A move can pull your freedom years closer, or cost more than the brochure admits. fjordFIRE shows what your money is worth in the country you're weighing: its cost of living, the daily exchange rate for every account you hold in its own currency, and the one-time cost of leaving.
RelocationWhere could you reach FI?
Bangkok could get you to FI by 2034, not 2047.
13 years sooner than staying, if you keep saving €2,196 a month.
13 years sooner
Every destination is measured against the same relocation fund: €238,655.
Every runway and FI date is priced on country-level cost-of-living data and daily exchange rates, recalculated on your monthly check-in. The free calculators on this site cover 67 of the countries.
Every place you’re weighing, side by side
Two answers for each place. Runway: how long your money lasts there if you stopped working, priced on the country’s World Bank price level. And the FI date on the plan you pick in the switch above. The figures are country-level, an approximation of your own basket; the method page lists every assumption, and the cost-of-living arbitrage lesson covers where the gap is real and where it closes faster than people expect.
Staying in Germany
Their plan today
Costs a month
€4,868
their spending today
Runway if they stopped
4 yrs 1 mo
FI, saving as today
2047 · age 59
Valencia, Spain Pinned
A fresh start in the sun
Costs a month
€3,800
comfortable · country estimate
Runway if they stopped
5 yrs 2 mo
FI, saving as today
2044 · age 563 years sooner
Athens, Greece
History, sea and slower days
Costs a month
€3,700
comfortable · country estimate
Runway if they stopped
5 yrs 4 mo
FI, saving as today
2044 · age 563 years sooner
Bangkok, Thailand
Stretch further in Southeast Asia
Costs a month
฿68,050
about €1,800 · comfortable · country estimate
Runway if they stopped
11 yrs
FI, saving as today
2034 · age 4613 years sooner
Costs are country estimates, not city prices: Valencia is priced as Spain, Bangkok as Thailand, from World Bank price levels. In the app you can set your own budget for any place. Runway uses the same €238,655 relocation fund everywhere, with no growth and no pension counted.
Moving from Norway · a different demo household
What leaving Norway actually costs
Norway taxes the unrealised gains on your shares and funds when you stop being a resident. fjordFIRE estimates it and folds the one-time cost into each destination’s runway and FI date, so the price of the move is in the picture from the start. Below is Alex, the Oslo demo household: early in their saving, the gain sits well under the deduction, so there is nothing to pay yet. Raise the value or the gain to see where it starts. For other countries’ departure taxes, fjordFIRE tells you one exists and who to ask; it doesn’t estimate them. You can also estimate the Norwegian exit tax with the free calculator.
Leaving NorwayThe Oslo demo household, on their own
Gain kr 105,822Deduction kr 3,000,000 per person
The unrealised gain works out to about kr 105,822, well under the kr 3,000,000 per-person deduction. At a 50% gain, the tax starts once these investments pass about kr 6,000,000.
At 7% growth, it wouldn’t cross the deduction for roughly 40 years, and leaving sooner keeps it smaller still.
Directional estimate only, not tax advice. Based on 2025 rules. Confirm with Skatteetaten.
See your move on your own numbers
Add your accounts, add the countries you’re weighing, and the comparison stays current from every monthly check-in. Open to everyone, free. Manual entry, no bank logins.
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