Travel & Adventure Calculator

Give your trip a name (optional, but it shows up in shares, exports, and the file name). Duration multiplies lodging, food, and local transport. Traveler count multiplies flight, food, local transport, and per-person fees. Every slider value is the cost you pay — no hidden multipliers.

Round-trip flight is per traveler. Local transport is a daily, per-traveler estimate. Car rental is a single daily rate (not per person). Gas is total fuel cost across all rental days.

By default, the slider is per night per room and gets multiplied by trip days, room count, and trip-style multiplier. For variable rates (different cities, a few camping nights, a weekend splurge), expand Variable nightly rates and add labeled blocks. When any blocks have non-zero values, their sum becomes the literal lodging total — the slider, room count, days, and style multiplier no longer apply, so include all rooms in the per-night cost you enter.

By default, the slider is per person per day and gets scaled by the trip-style multiplier. For more precision, expand Meal breakdown and set Breakfast / Lunch / Dinner / Snacks / Drinks individually. When any value is > 0, the meal sum replaces the slider and bypasses the style multiplier — what you enter is what gets multiplied by travelers and trip days.

Set the number of times you'll do each activity, the cost per person per occurrence, and how many travelers will join. People defaults to your trip traveler count — override per activity if only some of the group joins. Activity costs are not scaled by trip style; the price you enter is what gets used. Click + Add custom activity for anything not on the list. The red × removes the card.

Things people forget. Visa, baggage, and vaccines are per traveler. Gear is a flat total. Insurance can be a fixed fee or a percentage of the trip subtotal — toggle the dropdown next to its label. Tips are split: food % is applied to the food line, lodging % to the lodging line. FX / card fees apply to the entire trip subtotal (before insurance). Buffer is applied last, on top of everything.

Every line is computed from the inputs above and sorted largest to smallest in the bar. The three summary cards show the same total in different lenses: total trip cost, per traveler, and average per day across all travelers.

How the total changes if you tweak one variable. The amount in each row is editable. Each row tells you which line items it scales — for example, "More travelers" scales flight, food, local transport, and per-person fees, but not lodging (rooms are shared) or activities (which have their own People setting). Insurance, FX, tips, and buffer recalculate automatically because they're percentages.

Pick a country preset to load typical monthly cost-of-living for a remote worker. The lifestyle multiplier scales every cost category (Frugal 0.6×, Comfortable 1.0×, Premium 1.4×, Luxury 1.8×). If you're traveling as a couple, switch Household to Couple — partner income appears in the Income section, and a couple cost multiplier shows up here (default 1.6× — couples typically aren't 2× because rent and many fixed costs are shared).

Adjust any number to match your reality. The lifestyle multiplier (and, if active, the couple multiplier) scale every category in this section automatically — the values you see are pre-multipliers; the breakdown below shows post-multiplier results.

Net monthly income is what hits your account after taxes. If you're a couple, partner income is added to yours. FIRE number = Annual Cost ÷ Safe Withdrawal Rate (4% is the classic Trinity-study benchmark). Years to FIRE assumes monthly surplus is invested as a once-yearly contribution at the chosen real return (already net of inflation). The closed-form solve is consistent with the year-by-year projection table below.

Where your monthly spend goes after multipliers are applied. The Annual column is just monthly × 12.

Year-by-year portfolio growth using the same model as the Years-to-FIRE summary: annual contribution = monthly surplus × 12, added once per year, then compounded at the real return rate. The first row to cross the FIRE number is highlighted.

Pick presets or enter custom values for up to four destinations. Each metric is min-max normalized to 0–100 across the four countries you're comparing — so the cheapest gets 100 on cost (cheaper wins), the safest gets 100 on safety, etc. The Fit Score is a weighted average of those normalized values using the weights above. Save your weight profile to reuse it.

Each metric is min-max normalized 0–100 across the four selected countries. Cost is inverted (cheapest = 100). The 🏆 marks the best performer in each row; the Fit Score row uses your weights from above.