Relocation Calculator
Relocation Impact Simulator
What does moving to a different city actually do to your retirement timeline? Lower spending means a smaller portfolio target and a higher savings rate — the compounding effect can shift your retirement date by years.
Analysis mode
Your situation
Your move
Select a different destination
Choose a destination city different from your origin to see the relocation impact.
Select a different destination
Choose a destination city different from your origin to see the relocation impact.
Understanding relocation impact
This simulator is for educational purposes only and does not constitute financial advice. Cost-of-living indices are approximate regional averages and may not reflect your specific spending patterns. State tax rates shown are top marginal rates; your effective rate may differ. All portfolio projections use deterministic compound growth in today’s dollars (inflation-adjusted). Retirement portfolio targets use the 4% safe withdrawal rate (25× annual spending), a widely referenced guideline, not a guarantee of portfolio survival. Actual outcomes depend on real market conditions, tax situations, housing markets, and factors not captured here. Consult a financial advisor for personalized planning.