Free Tool Β· Financial Independence Calculator

How Many Years Will Your Money Last in China vs the USA?

Enter your savings and income. See the difference. The math is startling.

Your numbers

Cash, investments, 401k, IRA β€” liquid assets
Rental income, Social Security, pension, dividends
Rent, food, insurance, transport, utilities β€” everything
πŸ‡ΊπŸ‡Έ
USA
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πŸ‡¨πŸ‡³
Yiyang, China
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Monthly breakdown

Your passive income$0
US monthly cost-$3,500
US monthly surplus/deficitβ€”
Yiyang monthly cost-$400
Yiyang monthly surplus/deficitβ€”

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Quick scenarios (click to calculate)

$50K savings, no income

Just savings, no passive income

10 yrs in China
$30K + $2K rental income

Landlord with modest savings

∞ (saves $960/mo)
$100K + Social Security

Average SS: $1,907/mo

∞ (saves $867/mo)
$150K + $3K pension

Military/gov pension + savings

∞ (saves $1,200/mo)

What these numbers mean for your life

The calculator above reveals something that most Americans don't realize: financial independence isn't about having millions in the bank. It's about the ratio between your savings and your cost of living. Change the denominator, and the equation transforms.

In a US city, $3,500/month is considered modest. In Yiyang, $1,040/month gets you a 3-bedroom apartment with a full-time housekeeper and money left over. That's not deprivation β€” that's a better life for less money.

The three paths to China FIRE

What you need to do next

If the calculator showed you something that made your heart skip, here's the honest path forward:

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