Hong Kong FIRE & Retirement Calculator

Financial Independence, Retire Early (FIRE) is a financial movement that originated in the United States and has gradually become popular in Hong Kong. Its core idea is to accumulate enough assets early through a high savings rate, prudent investing and controlled spending, so that passive income covers living expenses and you can choose to retire early or do work you love. For Hong Kong people facing a fast-paced lifestyle and high property prices, FIRE offers a framework for reassessing financial goals.

The first step towards FIRE is understanding your annual expenses and the retirement assets needed. The well-known \"4% rule\" suggests that if you withdraw 4% of assets each year in retirement and the portfolio grows accordingly, the money has a good chance of lasting for decades. In a Hong Kong example, annual expenses of HK$300,000 would theoretically require about HK$7.5 million in retirement assets. The exact figure will vary with inflation, healthcare costs and lifestyle.

HK FinBox 的財務自由及退休計算機，讓你輸入每月開支、預期投資回報率、儲蓄率及現有資產，估算達到財務自由所需的年數及退休資產目標。計算機會以簡單而直觀的方式，展示儲蓄與投資如何影響你的退休時間表。

FIRE does not mean everyone must live extremely frugally; it is about clearly distinguishing \"needs\" from \"wants\". Build an emergency fund first, then gradually increase your investment ratio. Although Hong Kong's cost of living is high, you can still make steady progress towards financial independence by making good use of tools such as MPF, tax-deductible annuities and index funds.