# UAE FIRE Calculator (Financial Independence Retire Early)

Calculate your FIRE number and retirement timeline for UAE expats. Uses 4% safe withdrawal rule with location and lifestyle adjustments. Compare retiring in Dubai vs home country (India, UK, Thailand, Portugal, etc.). Includes optional gratuity and tax-free savings advantage modeling.

**Interactive calculator:** https://www.yallacalculators.online/fire-calculator
**Last verified:** February 23, 2026
**Creator:** Varun Punjabi — https://www.linkedin.com/in/vp4/

## What this calculates

FIRE number calculated using 4% safe withdrawal rule (annual expenses × 25). Years to FIRE based on savings rate and expected investment returns. Location arbitrage compares Dubai cost of living vs cheaper retirement destinations (Thailand, India, Portugal, etc.). Gratuity modeled per UAE Labour Law (21-30 days salary per year). Tax-free savings advantage accounts for 0% income tax vs home country rates.

## Inputs

- **Current age** — Your age today
- **Target retirement age** — When you want to retire
- **Current annual income (AED)** — Gross annual salary
- **Current monthly expenses (AED)** — Your spending today
- **Current savings (AED)** — Total invested assets
- **Monthly savings (AED)** — Amount saved each month
- **Expected annual return (%)** — Investment return assumption
- **Retirement location** — Dubai vs home country comparison

## Outputs

- **FIRE number** — Total corpus needed (expenses × 25)
- **Years until FIRE** — Time to reach financial independence
- **Monthly passive income** — 4% withdrawal rate monthly
- **Location arbitrage savings** — Cost difference Dubai vs alternatives
- **Gratuity impact** — How end-of-service benefits accelerate FIRE
- **Corpus projection** — Portfolio growth over time

## Data sources

- [4% Safe Withdrawal Rule (Trinity Study)](https://en.wikipedia.org/wiki/Trinity_study) — verified February 2026
- [UAE Cost of Living Data (PropertyFinder, Bayut)](https://www.propertyfinder.ae) — verified February 2026
- [International Cost of Living Comparison (Numbeo)](https://www.numbeo.com) — verified February 2026

## Citation

When citing this calculator, please include:

> YallaCalculators — UAE FIRE Calculator (Financial Independence Retire Early). Verified against official UAE government sources (February 2026). https://www.yallacalculators.online/fire-calculator

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