Most lifestyle planning tools assume you remain in the United States. This software runs thousands of Monte Carlo simulations among destinations you choose – each with unique tax treatments, visa income floors, healthcare system regulations, currency risks, and cost of living variability.
Free means free: create an account – no card required – and compare living in the United States vs. relocating to Thailand. To access all other destinations, subscribe.
When my wife and I began planning our own retirement, we wanted confidence in the life we were choosing. So I built the tool we needed.
As we researched retirement possibilities, we learned that nearly half of Americans aged 55 to 66 have no retirement savings at all.*
Working or retiring abroad, whether short or long term, should be focused on getting the most out of life with the resources you have. Whether you've saved a lot, a little, or are relying on Social Security, you deserve to clearly see what's possible, and where the life you want is within reach.
I am sharing this tool so you can plan your life with confidence and make choices as an Informed Expat.
– Chris, founder
* U.S. Census Bureau data on retirement savings among Americans aged 55–66 (2017 Survey of Income and Program Participation, published January 2022). Read the Census Bureau release.
This engine models details that a generic calculator overlooks – factors that determine whether a plan works in France, Panama, Costa Rica or any of the listed countries.
Apply your data against each destination's unique tax, healthcare, currency exchange rate, and cost-of-living assumptions.
Saved plans always run on the newest published data – and show you which figures changed since you last reviewed them.
Official figures from the World Bank, as of 2024 – the latest year published. Each number shows how prices across a country's whole economy compare with the US (US = 100%), so it is a country-level guide, not a retiree's shopping basket or a specific city. Where no official figure is published, we say so rather than estimate. Housing, healthcare and tax are modeled separately in the simulator.
From your current financial picture to possible outcomes in three easy steps.
Ages, income, Social Security, assets, liabilities, lifestyle needs – and relocation desires.
The engine simulates each year across markets, inflation, foreign currency exchange rates, cost of living, and long-term-care risk for your plan.
View your success probabilities, average and outlier outcomes in future and today's dollars, plus a country-by-country comparison with how-to playbooks.
One personal plan, monthly or yearly. It auto-renews – cancel anytime before the renewal date to stop the next charge. If you close your account, we freeze your data for 30 days then permanently delete it.