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.
🏥 Healthcare in Retirement
Auto-suggested from destination country. Add to expenses.
Healthcare costs typically rise 5–7%/yr with age.
Age at which public healthcare reduces your costs.
Residual costs after Medicare/NHS kicks in (e.g. top-up insurance).
Healthcare costs are included in your expense projections. Costs shown are indicative — obtain personalised quotes before relocating. They vary significantly by age, health status, and coverage level.
💷 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
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 | Surplus/Deficit |
|---|
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.
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