Your planning estimate
Complete the inputs and calculate.
Enter your assumptions to see what to invest today and each month.
Saved plans are being evaluated. Your figures have not been stored.
Your detailed projection
How your retirement investment grows
How the return assumption changes your estimate
One percentage point below and above your assumption.
| Scenario | Return | Needed today |
|---|
How today's funding is used
What you need at retirement
Total capital at retirement
Compare housing plans
Uses your current lifestyle level and destination assumptions.
| Plan | Needed today | At retirement |
|---|
First retirement year
Planning estimate only; not financial, tax, legal, immigration, healthcare, or investment advice.
Compare with where you live now
Use your household's current monthly spending, including housing, in today's USD. This comparison does not change your retirement estimate.
Include housing and use the same household basis as the destination estimate.
Retirement funding target
Liquid portfolio plus emergency reserve, using the same planning assumptions. Excludes any separate home purchase.
A directional comparison, not a like-for-like purchasing-power or tax analysis.
How to read this estimate
The model projects destination expenses and reliable retirement income, then shows the portfolio, reserve, and property capital needed under the return you enter. Portfolio dividends and interest belong inside that expected return rather than being counted again as outside income.
Frequently asked questions
How much do I need to retire abroad?
The answer depends on your destination, household, housing plan, retirement date, reliable outside income, and planning horizon. This calculator estimates annual spending first, then separates the liquid portfolio, property capital, and emergency reserve required.
How does the calculator handle inflation?
It projects each expense for every year in the retirement horizon. Healthcare and property-related costs can use different assumptions from general living costs, while indexed income rises with inflation and fixed income does not.
How are pensions and passive income treated?
After-tax pensions, annuities, existing net rental income, and other reliable non-portfolio income reduce the first-year funding gap. Each stream can be treated as inflation-linked or fixed.
Does the result include buying a retirement property?
Yes. Buy now shows today's purchase cost separately and does not mix it with retirement-year capital. Buy at retirement projects the purchase price and acquisition costs to retirement. Rent and already-own scenarios do not add a new purchase.
Why are portfolio dividends and interest not subtracted as passive income?
Portfolio dividends and interest are part of the expected portfolio return, not outside income. Counting them separately would understate the portfolio required.