Could moving to a no-tax state buy you years of freedom?
Pick your current state and a no-income-tax target. We subtract the savings and rerun the math.
Same FIRE math as the main calculator. Nothing is saved.
Same math, different question.
State income tax is a quiet line item. California takes 9.3% off the top. New York takes 6.5%. Texas, Florida, Tennessee and a handful of others take zero.
This variant subtracts the saved tax from your monthly expenses, since after-tax income rises when you move. The dollars roll into savings and compound.
The result shows years to freedom in your current state vs the same numbers after a move. For high earners in California, the gap can be 2 to 4 years. For lower incomes, the gap is smaller because the absolute tax saved is smaller.
Considering a move?
We'll send the financial pre-flight checklist.
Try the same math from another angle.
Want the original five-question version with a shareable result?
7% real return (historical US equity average). 4% safe withdrawal rate (Trinity Study). Freedom number = target annual spend × 25. Variant inputs adjust expenses or savings, then the same math runs. Taxes (beyond the moving-states variant) and Social Security are not modeled.