Financial Tools
FIRE Calculator
Enter your age, goals, expenses, and savings to calculate your FIRE number and see if you’re on track.
Personal Details
Current Assets
Investment Assumptions
Assumes all current assets and monthly savings are invested. Returns based on long-term market averages.
Reference: HK stocks ~7-9%, S&P 500 ~10%, global bonds ~3-5%.
Annual withdrawal from principal. Standard 4% = ~30 years; conservative 3% = safer but needs more capital.
Results
FIRE Essentials
💰 How Much to Retire in Hong Kong?
Basic
HK$ 2–3M
Public housing, frugal living, old-age allowance
Comfortable
HK$ 5–8M
Private housing, occasional travel, basic healthcare
Premium
HK$ 10M+
Travel, hobbies, private healthcare
Source: HSBC 2024 survey — average HK resident believes HK$4.7M needed for retirement; MPFA recommends 60–70% of pre-retirement income.
The 4% Rule
The core FIRE concept: save 25× your annual expenses, withdraw 4% per year, and your principal should theoretically last 30+ years. Go conservative with 3% (33× annual expenses).
Coast FIRE
You don’t need to fully retire! Coast FIRE means saving enough that compounding will carry you to retirement age — freeing you to switch to lower-stress, more fulfilling work.
Spending Is the Lever
Your FIRE target depends directly on monthly expenses. Cutting HK$3,000/month reduces your FIRE number by HK$900K. Tracking expenses is the fastest way to accelerate FIRE.
Review Annually
Inflation and life changes (marriage, kids, property) all impact your FIRE target. Recalibrate once a year to keep your savings plan aligned with reality.