Financial calculators for European expats
Model specific pension and retirement decisions using real inputs. These are starting points for informed analysis, not replacements for a full financial review.
Model your pension and retirement numbers
Three calculators covering the decisions UK-scheme members abroad most commonly face: CETV valuation, state pension top-up arithmetic, and retirement income sequencing across multiple sources.
CETV Estimator
Estimate the cash equivalent transfer value of a defined benefit pension using salary, accrual rate, years of service, and current gilt yields. A starting point, not a formal valuation.
Open calculator → 🏛UK State Pension Calculator
Model your qualifying years, the cost of voluntary Class 2 and Class 3 NI contributions, and the pension income recovered. The arithmetic case, clearly stated.
Open calculator → 📈Retirement Income Planner
Project retirement income from SIPP drawdown, state pension, investment portfolio, and offshore bond withdrawals. Model different withdrawal sequences and tax treatment by jurisdiction.
Open calculator → ⚖️QROPS vs SIPP Calculator
Compare total cost and projected net value between a QROPS and a UK SIPP, including the 25% Overseas Transfer Charge where it applies. Your numbers, not a generic assumption.
Open calculator →Check your day-count residency status
Malaysia, Singapore, and Thailand each run a different day-count test. Getting it wrong changes your entire tax position, including how your UK pension is treated under the relevant DTA.
See what you would keep somewhere else
Two departure boards built for sharing. Put in a salary or a pension and see what you would keep, city by city, against where you are now. 2026 rates, every figure sourced.
Departures: how much would moving abroad save you?
Take-home pay on your salary in 18 cities, from Dubai and Singapore to Madrid on the Beckham law and Amsterdam on the 30% ruling. Share your result as an image.
Open calculator → 🌴Arrivals: where should you retire?
What your pension and investment income keep in 12 destinations, from the 7% regimes in Italy and Greece to Penang, Cebu and Panama, against staying home.
Open calculator →Find out when work becomes optional
Financial independence is a number, not a feeling. Work out the five that matter, from the thin number that covers your essentials to the point where compounding finishes the job for you.