Stay in the US
66%
US tax burden against the $115K spend target.
Monte Carlo simulation with real tax modeling across 26 supported countries. Not a generic calculator — a full scenario engine for expats and geoarbitrage planners.
Start exploringSample plan: $1M portfolio · $60K/yr spending · 40-year horizon · moderate 60/40.
Same plan, different tax rules and cost of living. Try your own numbers — no signup needed.
A 42-year-old in Seattle with $850K saved, putting away $25K/year, currently spending $115K, planning to retire at 55. The simulation says:
US tax burden against the $115K spend target.
Spain's standard tax plus a slightly lower cost of living from retirement onward.
Mexico's much lower cost of living from retirement onward.
Real tax models for income, capital gains, and wealth taxes. Not just a flat rate — actual bracket-based calculations.
Compare retirement outcomes across 26 countries. See how your tax burden changes when you move.
Each run simulates 10,000 possible market futures, so you see the full range of outcomes — not just one optimistic line.
Adjust spending, savings, risk, and more to see how your outcome changes.
The simulator ships treaty overlays for eighteen US-citizen residency pairs — Australia, Austria, Belgium, Canada, Cyprus, France, Germany, Greece, Italy, Japan, Malta, Mexico, Netherlands, Portugal, Spain, Switzerland, Thailand, and the UK — so dual taxation, Social Security routing, and pension/withdrawal categories are modeled per pair rather than guessed from a flat rate.
Returns and inflation come from a 4-regime Markov chain calibrated on observed monthly data, 2000–2024.
See the full methodology →