Your Details
Enter your figures below. All number fields accept commas. Update any field and recalculate.
👤 Personal
🌍 Retirement Destination
1.0 = UK baseline. Lower = cheaper. Overridable.
Auto-filled from country data. Overridable.
Applied to pension/drawdown income.
💷 Income & Lifestyle
Net salary = gross × (1 – this rate). Includes all taxes.
~£57,000/yr today's money
📊 Current Assets
🏛 Pension & Tax-Advantaged Savings
📈 Return & Macro Assumptions
Auto-filled with typical entitlement for your home country
🏥 Healthcare Profile
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.
🏠 Housing in Retirement
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.
Projections
Run your inputs to see projections.
📍 Retirement Readiness Score
—
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
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 as your retirement destination.
🗺 Sort by