2026 Cyprus expat planning tool

Cyprus Expat FIRE Planner

Estimate the portfolio needed for financial independence in Cyprus, including realistic expenses, investment returns, withdrawal taxes, GESY assumptions and a simple Monte Carlo stress test.

Cyprus-specific tax Models Non-Dom, domiciled post-reform and older domiciled dividend treatment separately.

Real-return planning Converts expected return and inflation into a cleaner real growth assumption.

Monte Carlo check Runs randomized retirement paths to show whether the plan is fragile or comfortable.

Flexible lifestyle Start with expat-friendly Cyprus FIRE budgets, then tune your own numbers.

Build your Cyprus FIRE plan

All values are annual and in EUR unless noted.

Your current position

Current age

Current investment portfolio Include liquid investments, pensions you can realistically access, ETFs, funds and cash earmarked for FIRE.

Annual net household income

Annual amount invested Regular contributions before retirement.

Cyprus lifestyle target

Household type

SingleOne adult, apartment lifestyle.

CoupleTwo adults sharing housing and transport.

FamilyHousehold with children or higher space needs.

FIRE style

Lean FIRELower-cost living, fewer luxuries.

Regular FIREComfortable expat lifestyle.

Fat FIREPremium housing, travel and flexibility.

Target annual spending Use the quick choices below or enter your own number.

Part-time or side income in retirement Optional income that reduces the portfolio drawdown.

Investment and withdrawal assumptions

Expected annual portfolio return (%)

Long-term inflation (%)

Safe withdrawal rate (%) Many early retirees use 3.0%-4.0% depending on flexibility and retirement length.

Retirement horizon (years)

Portfolio volatility (%)

Monte Carlo simulations

Cyprus tax treatment

Non-DomNo Cyprus SDC on foreign dividends/interest; GESY may still apply.

Domiciled, 2026+ profitsUses the proposed 5% SDC dividend rate plus GESY.

Domiciled, older profitsConservative 17% SDC dividend assumption plus GESY.

Your FIRE projection

FIRE number

Portfolio target after tax adjustment

Time to FIRE

Savings rate

Monte Carlo success

Portfolio path to FIRE

Retirement stress test

Accumulation snapshot

Planning tips

2026 Cyprus assumptions used by this calculator

Non-Dom statusForeign dividends and passive interest are generally exempt from Cyprus Special Defence Contribution while Non-Dom status applies. The calculator still allows for 2.65% GESY on relevant investment income.

SDC reform planningFor domiciled taxpayers, the model separates older 17% dividend SDC assumptions from the proposed 5% rate for profits generated from 2026 onward.

Capital gainsCyprus generally does not tax gains from selling listed shares, bonds and most fund units, so this tool uses 0% CGT for mainstream portfolio securities.

This is planning guidance, not tax advice. Cyprus residence, domicile, fund structure, pension wrapper, remittance pattern and source country rules can change the result.