Kefiw

Archived noindex page. Kefiw's public focus is Property decision help.

Archived page

This older Kefiw page is kept for reference, marked noindex, and removed from the primary sitemap. The current Kefiw experience is focused on property decisions: cost, quotes, damage, buying, selling, owning, and packets.

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Geographic Arbitrage · Migration Horizon

Break-even month for relocating · monthly surplus delta vs one-time move cost.

Moving is a one-time expense that pays back in monthly surplus gains. Break-even = move cost / monthly gain. If you won't stay past break-even, the move is a bet against yourself. This tool plots the plane along a 36-month horizon.

Part of: Logistical Mobility & Lifecycle Logic

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Fields marked optional can be skipped; results update as you type
Geographic Arbitrage · Migration Horizon
Migration Horizon · Break-even Point
0m6m12m18m24m30m36m
Break-even at month 5.0
Monthly Gain After Move
$1200
Verdict: Fast_Payback
Break-even inside 6 months — strong migration signal
Surplus · here
$1500
Surplus · there
$2700
5-year net
$66000
Monthly gain = (income − cost)there − (income − cost)here. Break-even = move cost / monthly gain. If you won't stay past break-even, the move is a bet against yourself.

How to use

  1. Enter monthly income and cost at both locations, plus one-time move cost.
  2. Monthly gain = (income − cost)·there − (income − cost)·here.
  3. Break-even = move cost / monthly gain. Negative gain = no break-even, ever.
  4. Under 6 months = fast · 6–18 = reasonable · 18+ = only if you commit to staying.

Examples

$6000/$4500 here · $5500/$2800 there · $6000 move
Monthly gain $1200 · Break-even 5.0 months · Fast_Payback.
Equal surpluses · $6000 move
Monthly gain $0 · No break-even · the move is pure optionality cost.

Before you act on the result

Logic tools help expose a tradeoff, but they cannot see the full situation around the decision. Use the result to slow down the choice and name the assumption that matters most.

If one input drives the answer, test that assumption before treating the result as stable.

Next up

Move decided? Rent vs. buy in the new city next.Rent vs Buy Calculator → Project how the relocation stretches your runway.Runway Zero →

Frequently asked questions

› What about taxes and visas?

Roll them into cost-there. Tax differential is often the biggest line item — factor in effective rate, not marginal.

› Does this handle remote work?

Yes — keep income flat, drop cost-there to the new location, move cost to one-time relocation. The classic "remote to cheaper city" case.

Tips & related reading

See the Logistical Mobility & Lifecycle Logic hub →

Tips & how-tos

Relevant links

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