Hong Kong FIRE & Retirement Calculator
Test whether accessible savings last to your planning age. Keep locked MPF separate until 60 or 65, and treat 4% as one planning rate, not a guarantee.
Share & more
Projected retirement assets
Runs out around age 86 歲
Plan inputs
Do not include MPF you cannot withdraw yet. Put that in the locked box below.
Normal MPF withdrawal is 65. Age 60 is only the early-retirement ground after work has stopped and the statutory declaration is made.
4% comes from a US 30-year backtest. A longer Hong Kong retirement often needs a lower rate. This is not an official safe rate.
Enter the expected amount at retirement. The model treats it as a fixed monthly income with no annual increase.
Projected total retirement assets
60 at age
Inflation-adjusted real value approx. HK$5,222,499
Years to retirement
Total contributions
Investment growth
Planning withdrawal / month
4% planning rate, not a guarantee
HK$15,865,118
If the whole accessible pot were withdrawn at 4% a year, you would need this amount for HK$52,884 a month after inflation. It is a planning target, not a promise.
ShortfallHK$4,817,710
70%
Share of retirement expenses covered by the planning withdrawal plus other income
HK$4,796
Extra monthly savings of HK$4,796 could close the gap before retirementHK$4,817,710 shortfall
Assets may run out before your planning age
Assets are projected to run out at 86 歲. Consider increasing monthly savings, delaying retirement or reducing post-retirement spending.
Hong Kong FIRE: 4% is a starting point, not a permit
FIRE is a way to compare retirement spending with accessible assets. It is not an instruction to quit in your thirties. Housing, parents, healthcare and the MPF withdrawal age all make “annual spending × 25” too neat for Hong Kong. This page simulates the accumulation and drawdown years you enter, then checks whether the pot lasts to the planning age.
The 4% rule comes from a US historical backtest of about 30 years: take 4% in year one and adjust later withdrawals for inflation. It is not an official HKMA or MPFA safe rate. If work stops at 45 or 50, the money may need to last 40 to 50 years, so 3% or 3.5% is often more conservative. Choose a planning rate here and compare 3%, 3.5%, 4% and 5% together.
MPF is generally withdrawable at 65. Age 60 is only the early-retirement ground after all work has stopped and the statutory declaration is made. Locked MPF should not be treated as cash available today. This page keeps accessible savings separate and adds locked retirement assets only at the access age you enter.
An owner-occupied home does not pay the electricity bill unless you sell, let or use a reverse mortgage. Annuity, rent or other monthly income can be entered separately and is deducted from the portfolio draw; the model holds that amount flat. Trustee records and the MPFA rules remain decisive.
Related guide
How Hongkongers Can Plan for FIRE
Separate spending, the mortgage, healthcare and locked MPF, then compare 3%, 3.5% and 4% withdrawal rates.
Read the guideReferences
- 1Withdrawal of MPF upon retirement(Mandatory Provident Fund Schemes Authority)
- 2Early withdrawal of MPF(Mandatory Provident Fund Schemes Authority)
- 3Retirement planning checklist(Investor and Financial Education Council)
Site data last reviewed: 2026-08-09 · The sources above are for reference only; please refer to the latest official announcements from the relevant organisations.
Think a figure, rule or source needs updating? Report this pageFAQs
Can I use the 4% rule in Hong Kong?
Can MPF be counted as FIRE assets today?
Should my home be included in the FIRE number?
How is other retirement income treated?
Does a lasting result guarantee the money lasts?
Does FIRE mean I must stop working?
A useful scenario to try
Test lower returns, higher inflation and retirement five years earlier instead of relying on one 4% rate.
Related Tools
Client-side only: All data is calculated on your device and is not uploaded to any server. Results are for reference only and do not constitute professional financial or legal advice.