Welcome to Exityear
Retire years sooner by choosing where you live
Model geographic arbitrage, life branches, and market scenarios to find your fastest path to financial independence.
See How Location Changes Everything
Pick a region and watch your retirement timeline accelerate
Demo projection using simplified assumptions (7% return, 4% withdrawal rule). Actual results vary based on market conditions, taxes, and individual circumstances.
Geographic Arbitrage: The FIRE Accelerator
Your dollar stretches further in certain places. Exityear lets you model exactly how much further — with real cost-of-living data for popular FIRE destinations across 6 continents.
- Pre-loaded cost-of-living data for popular destinations worldwide
- Model slow travel, permanent relocation, or temporary stays
- See tax + cost of living impact combined on your FI date
- Plan location timelines: Bali for 2 years, then Lisbon permanently
Popular FIRE Destinations
Life Branches
Test different financial futures without corrupting your baseline plan. Model multiple paths to retirement with ease.
Monte Carlo Analysis
Understand sequence of returns risk with probabilistic modeling. See the range of possible outcomes for your retirement plan.
Geographic Arbitrage
Model relocations to lower-cost destinations and see exactly how many years closer to FI you get. Pre-loaded data for popular cities worldwide.
Plan vs. Reality
Track your actual progress against projections monthly. See if you're ahead or behind schedule with clear variance reporting.
Roth Conversion Lab
Optimize your tax strategy by identifying Roth conversion opportunities. Fill tax brackets efficiently to minimize lifetime taxes.
Market Stress Test
Test your plan against historical crashes and worst-case scenarios. Know your plan is bulletproof before volatility hits.
What if moving abroad could shave 5–10 years off your retirement timeline? Exityear lets you compare your current path against popular global destinations — with real cost-of-living data, tax modeling, and Monte Carlo stress testing. No bank account linking. No guesswork.
Simple Pricing
Start free, upgrade when you're ready
Frequently Asked Questions
What makes Exityear different from other financial planning tools?
Exityear is built specifically for the FIRE community with features like life branches, Monte Carlo simulations, and Roth conversion optimization. We also offer built-in geographic arbitrage modeling with cost-of-living data for popular global destinations, so you can see exactly how relocating abroad affects your retirement date. Unlike traditional tools that lock you into rigid plans, we let you model multiple financial futures simultaneously and stress-test them against market volatility.
How accurate are Exityear's retirement projections?
Our projections use historical market data and sophisticated modeling techniques including Monte Carlo simulations to provide probabilistic outcomes. While no tool can predict the future, our models help you understand the range of possible outcomes and prepare for various scenarios. We encourage users to update their actual values monthly to track reality vs. projections.
What is geographic arbitrage and how does Exityear help?
Geographic arbitrage (geo arbitrage) means relocating to a lower-cost-of-living area to stretch your savings further and retire sooner. Exityear lets you model this precisely: pick from popular destinations with real cost-of-living data, set relocation dates, and instantly see how your retirement timeline shifts. You can even model slow travel — spending time in Chiang Mai, then Lisbon — and see the combined impact on your financial plan.
How accurate is the cost-of-living data?
Our city cost indices are benchmarked against US average costs. You can also set custom multipliers for any location. We recommend using these as starting points and adjusting based on your specific lifestyle — someone who eats local food in Chiang Mai will have very different costs from someone dining at Western restaurants.
How do life branches work?
Each life branch is a complete copy of your baseline plan that you can modify independently. Want to see what happens if you retire 5 years earlier? Create a life branch. Curious about the impact of a job change? Create another life branch. All life branches live side-by-side so you can compare outcomes and make informed decisions.
Is my financial data secure?
Absolutely. All data is encrypted in transit and at rest. We also don't collect account numbers or integrate with any third party financial integrations. We use industry-standard security practices and never share your data with third parties. Your financial information is stored securely on enterprise-grade infrastructure with regular backups.
How much does Exityear cost?
The free plan gives you 1 financial plan, 1 life branch, net worth projections, and basic themes. Pro ($49/year) unlocks unlimited plans and life branches, Monte Carlo analysis, and 7 creative themes. Every new account starts with a 14-day free trial of Pro — no credit card required.