When could your money buy back your time?
Build a Hong Kong-specific FIRE estimate from your after-tax income, actual spending, MPF, and property position. Choose the model that fits the life you want — then pressure-test the assumptions.
Start with your numbers
Tool inputs and calculations stay in your browser. Optional site analytics is separate.
Your baseline
HK$ · current valuesUsed to turn years into a FIRE age.
Cash and investments you could use now.
After Hong Kong salaries tax: —
Derived from after-tax income minus spending.
Your household plan
Optional · stays in this browserStatus alone does not establish tax eligibility.
Optional 2026/27 assumption; replaces Basic Allowance.
Editable estimate in today's dollars.
Children today
Children you may plan for
No family tax or planned-child expenses are included.
Monthly spending breakdown
HK$ · per month, starts at zeroRent paid for your home, if renting.
Recurring owner-occupied mortgage or housing costs. Normally use Rent or this, not both.
Public transport, taxis, or vehicle running costs.
Grocery purchases and routine meals.
Insurance premiums.
Personal, entertainment, travel, and other recurring spending not covered above.
The HK details
Keep locked money visibleShown separately; not available for pre-65 FIRE.
Your contribution; include the cap only once.
Net value after any mortgage.
A home is wealth, but not automatically spending money.
Your assumptions
Change these to stress-testNominal return before inflation.
Your spending grows by this rate.
4% means 25× annual spending.
When your portfolio should fund the plan.
Choose a FIRE lens
Same facts, different definition of “enough.”
Annual spending ÷ withdrawal rate. The familiar 25× starting point.
Your portfolio path
Projected assets against your FIRE target.
Estimated crossing: —
MPF keeps compounding separately.
This projection does not bring MPF into your pre-65 FIRE date.
See how fragile the date is
Classic FIRE only · small assumption changes can move the answer.
Read the fine print
A projection is a map, not a promise.
- Hong Kong tax. The estimate uses the lower of progressive and two-tier standard rates with fixed 2026/27 Basic Allowance (HK$145,000), Married Person's Allowance (HK$290,000), Child Allowance (HK$140,000 per child), and newborn additional allowance (HK$140,000 for each of the first two modeled tax years). Married Person's Allowance replaces Basic Allowance and is an opt-in assumption, not an eligibility decision: IRD requirements depend on individual circumstances, assessment and election. Child ages 18+ are excluded; qualifying full-time education through age 24 or disability can extend real-world eligibility. Amounts stay fixed in this projection although tax policy may change. Spouse income and joint assessment are not modeled.
- Family costs. Current children's spending is assumed to be included in today's expenses. Each planned child adds the shared editable full-year cost from arrival through age 21; costs stop at age 22. Timing is by whole tax years without birth-month proration.
- Child-cost source. The HK$284,000 starting estimate is based on Hang Seng Bank's 2022 survey of more than 630 affluent residents with at least HK$1 million in liquid assets. The surveyed population is not representative of all households; this is not a personalized budget or forecast. Read the survey.
- MPF. MPF is shown separately and projected to age 65. Early withdrawal has limited statutory exceptions, so do not treat this balance as spendable before then. Your employer contribution, fees, fund choice, and contribution cap may differ.
- Returns. The model compounds one real return every year. It does not model market sequence risk, fees, tax on overseas assets, exchange rates, or Monte Carlo outcomes. Hong Kong generally has no capital gains tax, but your own tax position can differ.
- Property. Property is excluded unless you opt in. If included, the result assumes its net equity can fund the plan through a sale, downsize, or another strategy; it does not make the home liquid.
- Use. This is an educational estimate, not investment, tax, MPF, or property advice. Re-run it with conservative assumptions before making a decision.