Your Details
Quick start
8 fields · 2 minutes
Best-case estimate
Best-case estimate
Full detail
All fields · 10 minutes
Personalised to your finances
Personalised to your finances
⚡ Quick start result — based on 8 essential fields. This is your best-case position. Switch to Full Detail for a personalised projection that accounts for your liabilities, healthcare profile, and housing costs.
Enter your figures below. All number fields accept commas. Update any field and recalculate.
👤 Personal enter your details
🌍 Retirement Destination enter your details
Source: Numbeo 2025, rebased to home country. 1.0 = same cost. Overridable.
IMF WEO April 2025. Overridable.
Applied to pension/drawdown. Overridable.
💷 Income & Lifestyle enter your details
Net salary = gross × (1 – this rate). Includes all taxes.
~£57,000/yr today's money
📊 Current Assets enter your details
ISA, GIA, cash, property equity — combined total
🏛 Pension & Tax-Advantaged Savings enter your details
All pension savings combined — DC, workplace, SIPP
📈 Return & Macro Assumptions auto-filled · review & adjust
Auto-filled with typical entitlement for your home country
🏥 Healthcare Profile enter your details
Affects IPMI premium loading
Current smokers typically pay 25–50% more
Including US coverage adds 40–80% to IPMI premiums
Residential care typically £40–80k/yr
Age at which care costs begin in projections
Healthcare costs rise 5–7%/yr with age — faster than general CPI
Estimated Annual Healthcare Budget
⚠ Estimates are indicative based on Pacific Prime 2024, William Russell, and Cigna Global rate data.
Obtain personalised quotes before relocating. Costs vary by age, health status, provider, and coverage level.
Premium loadings for pre-existing conditions may vary significantly between insurers.
💳 Current Liabilities enter your details
Outstanding debts reduce your net worth and affect your retirement readiness score. Include what you owe today.
Mortgage balance + loans + credit cards — combined total. Leave 0 if debt-free.
Break down your liabilities for a more accurate picture.
Balance remaining on your primary home loan
Used to calculate monthly cashflow impact
Total outstanding balance across all cards
Personal loan, car finance, student loan etc.
Total liabilities
£0
Net worth (assets minus liabilities)
—
This figure feeds directly into your retirement readiness score.
🏠 Housing in Retirement enter your details
Added to annual expenses in projections
One-off capital added to portfolio at retirement
Age at which property proceeds added. 0 = at retirement.
Housing costs in retirement vary enormously — renting in Portugal costs €600–1,200/mo, Singapore S$3,000–6,000/mo, Dubai AED 5,000–15,000/mo. These are not included in the CoL index and should be entered explicitly.
Quick result based on essential inputs — switch to Full Detail for a personalised projection.
Projections
Run your inputs to see projections.
📍 Retirement Readiness Score
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050100
How is this calculated?
The readiness score measures whether your projected wealth at retirement can sustainably fund your chosen lifestyle.
It uses the widely-accepted 4% rule: your total wealth at retirement × 4% = estimated safe annual withdrawal.
This is compared against your required annual income (lifestyle spend × CoL index for your retirement country).
Score = (Sustainable Income ÷ Required Income) × 100, capped at 100.
A score of 100 means your projected wealth fully funds your lifestyle. Below 70 suggests meaningful gaps to address. This is a planning estimate — not a guarantee. Returns, inflation, and life expectancy are uncertain.
Score = (Sustainable Income ÷ Required Income) × 100, capped at 100.
A score of 100 means your projected wealth fully funds your lifestyle. Below 70 suggests meaningful gaps to address. This is a planning estimate — not a guarantee. Returns, inflation, and life expectancy are uncertain.
📊 Wealth Projection
📋 Year-by-Year Table ★ = retirement years
| Age | Total Wealth | Portfolio | Pension | Income | Expenses | Healthcare | Housing | Surplus/Deficit |
|---|
Healthcare Guide
Select a home and retirement country, then click Healthcare to see your analysis.
Your Home Country System
Annual cost today
Coverage when abroad
Long-term care
What happens when you leave?
Retirement Country Healthcare
Access for expats
IPMI recommended?
Estimated annual cost
Quality score
Insurance Recommendation
Recommended providers
Cigna Global — largest network, accepts new enrollees to age 75, strong in Asia and Europe
Aetna International — good for US citizens abroad, full medical underwriting available
Allianz Care — strong in Europe, modular plans, good claims processing
Now Health International — competitive pricing, strong in Asia
William Russell — popular with UK expats, flexible plan structure
Always compare at least 3 quotes. These are indicative suggestions, not endorsements.
Aetna International — good for US citizens abroad, full medical underwriting available
Allianz Care — strong in Europe, modular plans, good claims processing
Now Health International — competitive pricing, strong in Asia
William Russell — popular with UK expats, flexible plan structure
Always compare at least 3 quotes. These are indicative suggestions, not endorsements.
Comparison: Home vs Retirement Country
| Factor | Home Country | Retirement Country |
|---|
Key Risks & Timing
Tax Analysis
Cross-border tax comparison for your home → retirement country move. Illustrative only — not tax advice.
Step 1 — Tax Identity
Critical for UK IHT tail calculation and departure tax planning
Step 2 — Your Income & Home Country Assets
Tell us what happens to each asset category. Income fields appear when relevant.
Property
Pension & Retirement Savings
Pre-filled from your Inputs tab. Tax treatment depends on home/retirement country treaty.
Payable abroad — may be frozen in some countries. Check uprating agreement.
Investments & Savings
ISA / Roth IRA / TFSA — tax-free in home country but may be taxable abroad.
Other Income Sources
US citizens: FEIE may exclude up to $132,900 (2026) of earned income.
Property in third countries. Taxed at source; check treaty treatment.
Regular disposals from investment portfolio. Leave 0 if infrequent.
Step 3 — Estate & Timing
All assets globally — used for IHT/estate tax comparison
What This Means For You — Plain English Summary
Annual Income Tax Comparison
| Income Source | Home Country | Retirement (regime) | Retirement (steady state) |
|---|
Ongoing Home Country Tax Obligations
Departure & Transition Tax Events
Estate & Inheritance Tax
Risk Flags & Opportunities
Questions for Your Cross-Border Tax Adviser
Tax rates sourced from: OECD Tax Database (2024/25), KPMG Individual Income Tax Rate Survey (2024), IRS Publication 901 (US treaties), HMRC (UK rates 2025/26), EY Worldwide Personal Tax Guide (2024) for special regimes. Treaty existence data based on IBFD Global Tax Treaty Database as of July 2025.
Treaty provisions, individual circumstances, and timing can significantly alter outcomes. This analysis is illustrative — not regulated tax advice. Engage a qualified cross-border tax adviser before making any relocation decision.
Stress Test
How bad do things have to get before your plan fails? Run your projections first.
Run your projections first to unlock stress testing.
Insights
Personalised analysis based on your inputs. Not financial advice.
Run your projections first to generate insights.
Ask Latitude
Explore "what if" scenarios using AI. Powered by Claude.
💬 Ask a Question
ℹ️ About Ask Latitude
Ask Latitude uses your current inputs and projections as context to answer planning questions in real time via Claude (Anthropic). Responses are illustrative and not regulated financial advice. Always consult a qualified financial adviser for significant decisions.
Country Explorer
Compare retirement destinations. Click any country to select it. CoL indexed to your home country baseline. Sources: Numbeo (CoL), IMF (inflation), OECD/KPMG (tax), Pacific Prime/WHO (healthcare). Data as of Q2 2025.
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