Enter your assets, pensions, and goals. We'll calculate your safe annual income — accounting for pensions from any country, taxes, inflation, and how long your money lasts. Data saves automatically.
Your Situation
How long to plan for
In your display currency
US/EU ≈ 3%, India ≈ 5-6%
Effective rate on withdrawals
Exchange Rates → USD
Assets & Investments
Total Portfolio (USD equivalent today)$0
Account / DescriptionTypeBalanceCcy
After-tax factors applied automatically: Pre-Tax (401k/IRA/RRSP/NPS) — Taxed on withdrawal. Counts at 78%. Roth / TFSA — Tax-free. Counts at 100%. HSA — Triple tax-free (medical). Counts at 100%. Brokerage / ETFs — Capital gains tax. Counts at 88%. Cash / Savings / FD — Already after-tax. Counts at 100%. Assurance-vie / PEA (FR) — Tax-advantaged after 8yr. Counts at 85%. PPF / EPF (India) — Tax-free on maturity. Counts at 100%. Real Estate (equity) — Illiquid, selling costs. Counts at 70%. Crypto — Volatile. Counts at 75%.
Portfolio Growth
Global stocks ~7–10%. Conservative: 5–6%.
Leave blank to use scenario defaults (3.5/4/4.5%)
Government Pensions & Social Insurance
Add any pension you expect to receive — from any country. You can add multiple.
Other Retirement Income
Before tax · in display currency
After mortgage & expenses · display currency
Healthcare Costs (Pre-Public Coverage)
US: ACA ~$800–1,500/mo pre-65. EU/CA/IN: often free. Include in budget if not.
US Medicare: 65. Canada: immediate. France: immediate. India: varies.
Not financial advice. This tool uses simplified models. Tax treaties, pension rules, and cross-border taxation are complex. Consult a fee-only financial advisor and a cross-border tax specialist before major decisions.