Comparison Results
US baseline FIRE number
$1,000,000.00
Best overall
Georgia
- CoL indices and scores are approximate. Actual costs depend on lifestyle, city within country, and personal circumstances.
Expat & Global
Country FIRE Comparison Tool
Compare FIRE numbers, healthcare, visa friendliness, and tax burden across 20 popular retirement destinations.
Country Comparison
| Country | CoL Index | Annual Cost | FIRE Number | Health | Visa | Tax | Score |
|---|---|---|---|---|---|---|---|
| Georgia | 28 | $11,200.00 | $280,000.00 | 5 | 10 | 9 | 7.6 |
| Thailand | 35 | $14,000.00 | $350,000.00 | 7 | 7 | 8 | 7 |
| Mexico | 38 | $15,200.00 | $380,000.00 | 7 | 9 | 6 | 6.9 |
| Portugal | 52 | $20,800.00 | $520,000.00 | 8 | 9 | 7 | 6.9 |
How to use it
- Enter your annual spending budget in USD and select 2-4 countries to compare from the dropdown of 20 popular FIRE destinations.
- Read the comparison table focusing on adjusted annual spending and FIRE number for each country. The FIRE number is 25x the CoL-adjusted spending.
- Compare the composite scores across healthcare, visa friendliness, and tax burden. A country with a low FIRE number but poor healthcare may not be a good fit.
- The overall FIRE score weights cost of living (35%), healthcare (25%), visa access (20%), and tax friendliness (20%). Higher scores indicate better overall FIRE destinations.
- Re-run when your spending budget changes or when you want to explore different country combinations. Use this as a starting point for deeper country-specific research.
AI Integrations
Contract, discovery endpoints, and developer notes for agent use.
Always available for agents
AI Integrations
Contract, discovery endpoints, and developer notes for agent use.
Tool contract JSON
https://aifinhub.io/contracts/country-fire-comparison-tool.jsonStable input and output contract for this exact tool.
Human review
People can use the browser page to sense-check outputs and charts, but agents should still execute against the contract and discovery endpoints.
- /agent-tools.json - machine-readable tool index.
- /llms.txt - human-readable model discovery guide.
- /.well-known/webmcp.json - WebMCP capabilities manifest.
- /.well-known/ai-plugin.json - plugin-style discovery manifest.
{
"tool": "country_fire_compare",
"annual_spending": 40000,
"countries": [
"Portugal",
"Thailand",
"Mexico",
"Georgia"
]
} Expand developer notes
Agent playbook
- Resolve Country FIRE Comparison Tool from /agent-tools.json and open its contract before execution.
- Validate inputs against the contract schema instead of scraping labels from the page UI.
- Open the browser page only when a person wants to review charts, assumptions, or related tools.
Agent FAQ
Should ChatGPT, Claude, or another agent click through the UI?
No. Start with /agent-tools.json, then follow the tool's contract URL. The page UI is for human review, not parameter discovery.
When do tools show Quick and Advanced?
Every tool opens in Quick Start first. Advanced Controls keeps the same scenario, reveals more assumptions or diagnostics, and every tool keeps AI integrations inline below the instructions.
When should an agent still open the browser page?
Open it when a human wants to sense-check the output, review the chart, or keep exploring related tools after the calculation finishes.
Questions people usually ask
How is the FIRE number calculated for each country?
Your US spending budget is multiplied by the country's cost-of-living index (US = 100), then multiplied by 25 (the 4% rule inverse). A country with a CoL index of 40 means your spending is 40% of US levels, so your FIRE number is 40% of the US baseline.
What does the overall FIRE score mean?
It is a weighted composite: cost of living (35%), healthcare quality (25%), visa friendliness (20%), and tax friendliness (20%). Higher scores indicate better overall FIRE destinations balancing affordability, livability, and accessibility.
Are the healthcare scores reliable?
They are relative rankings based on WHO data, expat community feedback, and healthcare infrastructure assessments. A score of 8-9 (Portugal, Spain, Czech Republic) means excellent public healthcare accessible to residents. Scores of 5-6 mean adequate but variable quality.
What does visa friendliness measure?
It reflects how easy it is for retirees to obtain long-term residency. A 9-10 (Georgia, Portugal, Mexico, Panama) means straightforward retirement or passive income visas. A 5 (Hungary, Czech Republic) means more complex requirements or EU-only preference.
Can I compare more than 4 countries?
The tool compares up to 4 countries at a time. Run multiple comparisons to evaluate a wider set, then narrow down to your top choices for deeper research including in-country visits.
Is my data stored?
No. All calculations happen in your browser. Nothing is stored or transmitted.
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