2.5%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for Hong Kong
A FIRE calculator for Hong Kong: your MPF, your savings and the years before 65MPF · Mandatory Provident Fund · early retirement at 60 · voluntary contributions · HKD peg · 4% rule
Nivritee’s FIRE Planner projects when your household could stop working, in Hong Kong dollars, with Hong Kong inflation, a fast-rising medical cost rate and your MPF balance pre-filled as a row. It is free: eight answers after sign-up, about two minutes.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| India | INR | 4.0% | 12.0% |
| United Kingdom | GBP | 2.0% | 8.2% |
| Singapore | SGD | 2.0% | 11.0% |
| United States | USD | 2.0% | 9.2% |
Eleven countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in HKD
Your FI number at a 4% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 4% withdrawal rate the planner uses for Hong Kong, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in HKD (HK$), with a Financial Freedom Index out of 100 beside it.
Hong Kong publishes household income rather than household wealth, so your peer percentile compares your household’s income with the Census and Statistics Department household income statistics, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
Hong Kong · the rates your plan starts from
The Hong Kong rates every plan projects with.
A plan for Hong Kong starts from these, in HKD. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
5%
Education inflation
School and university fees, which rise faster than everyday prices.
11%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
7%
Return while you work
An assumption, not a forecast — shown so you can change it.
4%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
4%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · Hong Kong schemes in one plan
MPF — rows in your plan from the start.
- MPF — Mandatory Provident Fund: compulsory retirement savings contributed by you and your employer.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
Hong Kong · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
MPF from mandatory contributions can be withdrawn at 65, by lump sum or instalments.
Access age 2
Early retirement from 60 also releases it, once you have stopped all work and declare you will not return to it.
FIRE Planner · Hong Kong
What your Hong Kong FIRE plan has to get right.
MPF mandatory contributions are 5% each from you and your employer, capped at HK$1,500 a month each on HK$30,000 of income — so above that, a FIRE plan rests on what you save yourself.
MPF opens at 65, or at 60 if you have stopped working for good; Nivritee’s ledger shows every year your other savings must carry before then.
Hong Kong has no capital gains tax, and the Hong Kong dollar is held between HK$7.75 and HK$7.85 to the US dollar, which matters to a household holding US investments.
Medical costs in Nivritee rise at their own rate; insurers in WTW’s survey project a 14% Asia Pacific medical cost trend for 2026. Hong Kong publishes household income rather than wealth, so your peer percentile compares income with Hong Kong households.
Why Nivritee for Hong Kong
The FIRE Planner, joined to everything else your household runs.
Your Hong Kong plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Eleven markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator Hong Kong · questions
FIRE in Hong Kong: questions people ask.
How much do I need to retire early in Hong Kong?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number uses a 4% withdrawal rate on your own spending, adds your goals and nets off income that keeps paying.
When can I withdraw my MPF?
At 65, or from 60 if you have stopped all work and declare you will not return to it — as a lump sum or in instalments.
Is MPF enough to retire early on?
For most households it is one part. Mandatory contributions stop rising above HK$30,000 a month of income, at HK$1,500 each from you and your employer. Nivritee projects the MPF row beside your other savings and shows whether the whole reaches your FI number.
Is there a free FIRE calculator for Hong Kong?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in Hong Kong dollars with Hong Kong inflation and your MPF. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how your household income compares with Hong Kong households.
Find your FI number for Hong Kong.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free