🇺🇸 United States vs 🇵🇹 Portugal
Side-by-side early retirement comparison — taxes, cost of living, healthcare, and FIRE number.
Key Takeaway
Portugal is significantly cheaper than United States for retirees. With a cost of living index of 65 vs 100, your money goes 35% further in Portugal. Capital gains tax is 28% in Portugal vs 0% in United States. Use the calculator to see your personalized FIRE number for both countries.
Side-by-Side Comparison
Tax Comparison for Retirees
🇺🇸 United States Taxes
🇵🇹 Portugal Taxes
Special Tax Regimes for Expats
NHR 2.0
20% flat tax on eligible employment income. Foreign pensions may be taxed at source country rates.
Calculate Your Exact FIRE Number
Enter your portfolio, spending, and retirement age to see a personalized comparison between United States and Portugal — with Monte Carlo simulations and tax modeling.
🔥 Open Calculator — United States vs PortugalFAQ: United States vs Portugal for Retirement
Is it cheaper to retire in Portugal or United States?
Portugal has a cost of living index of 65 compared to United States's 100(where US = 100). Portugal is significantly cheaper than United States for retirees. Your money goes approximately 35% further in Portugal.
How do taxes compare between United States and Portugal?
Capital gains tax is 28% in Portugal vs 0% in United States. The top income tax rate is 48% in Portugal vs 37% in United States. For FIRE retirees, the effective tax rate depends on your withdrawal strategy — use our calculator for a personalized estimate.
What about healthcare in Portugal vs United States?
Estimated annual healthcare costs are $500 in Portugalvs $3,000 in United States. Portugal offers public healthcare access for residents.