Where Should You Live to Reach FI Faster?
Compare 50+ European cities by cost of living, quality of life, and tax rates. Find the perfect location to accelerate your financial independence journey.
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Disclaimer
Cost of living data is based on averages and may vary significantly based on individual lifestyle choices. Tax information is simplified and subject to change. Always consult with local experts before making relocation decisions.
How Geo-Arbitrage Accelerates FI
Lower Your FI Number
Your FI number is 25x your annual expenses. Living somewhere cheaper means you need less money to be financially independent.
Increase Your Savings Rate
With lower expenses, more of your income goes to savings. A higher savings rate dramatically reduces your time to FI.
Reach FI Years Faster
The combination of a lower target and higher savings rate can shave years off your FI timeline. Some save 5-10 years!
Example: Berlin vs. Lisbon
Berlin
- Monthly cost: ~€2,400
- Annual: €28,800
- FI Number: €720,000
- ~15 years to FI
Lisbon
- Monthly cost: ~€1,800
- Annual: €21,600
- FI Number: €540,000
- ~11 years to FI
*Based on €60,000 income, €50,000 savings, 7% returns
Popular Destinations for Digital Nomads
Lisbon
Portugal
Europe's digital nomad capital with amazing weather, food, and a thriving startup scene.
Budapest
Hungary
Stunning architecture, thermal baths, and incredible value for money in the heart of Europe.
Barcelona
Spain
Beach lifestyle meets Mediterranean culture. Spain's new digital nomad visa makes it easier.
Tallinn
Estonia
The world's most digital country with e-residency, fast internet, and startup culture.
Ready to Plan Your FI Journey?
Combine geo-arbitrage with our FI Calculator, portfolio tracking, and AI coach to create a complete roadmap to financial independence.