City FIRE Guide

What is a realistic FIRE number in Shanghai, China?

Use Shanghai, China as the baseline for your FIRE planning. UntilFire starts with an estimated annual spending profile for the city, then turns that into a retirement target you can pressure-test with your actual income and savings.

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Estimated annual spending
$32,000
Estimated monthly spending
$2,667
25x FIRE target
$800,000

Why Shanghai, China changes your FIRE math

Shanghai is useful for people comparing high-opportunity global cities where earnings potential and spending pressure both run high.

Small shifts in recurring expenses can move the required FIRE portfolio by hundreds of thousands of dollars over time.

The real question is not just salary level, but how much of that salary turns into consistent long-term invested capital.

Local tax context
China — ~6% effective
Compared with a $52,000/year US baseline
$20,000 lower
25x rule implication
Every $1,000/year you cut lowers the target by $25,000.

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