What Ember does
The four things only Ember does — and all the essentials
Every FIRE planner tracks net worth and runs Monte Carlo. Ember also knows what happens when your life crosses a border — tax, residency and inheritance, modelled properly, not guessed.
Cross-border tax
No other planner does thisTax, every year, in every country
See exactly where you'll pay tax — every year, in every country, for the rest of your life.
Residency over time
No other planner does thisPlan the move, not just the money
Lay out your life as a sequence of countries — and see what each border crossing does to your plan.
Estate & inheritance
No other planner does thisWhat actually reaches your heirs
Cross-border estate maths: two countries' inheritance rules, treaties, and the waterfall from gross estate to what's left.
Global coverage
Built for money that movesYour countries. Your currencies.
Versioned tax, pension and estate rules across 30 countries — every figure carrying its source and confidence.
Everything a great FIRE planner already does — plus the four things only Ember does
Monte Carlo & history
Battle-test against thousands of markets
Monte-Carlo simulation and every 30-year retirement since 1928 — in your currencies, not just the S&P.
Cashflow
See where every pound flows
A year-by-year flow of your money — income, draw, tax by country, spending — that always balances.
Optimiser
Let Ember find your best country & age
A dated, explained action plan across four levers — where to live, when to crystallise, what to draw first, when to claim your pension.
Net worth & portfolio
Every asset, every currency, one number
Track everything you own and owe — brokers synced daily, property, pensions, debts — in the currencies they actually live in.
Start free — 72 hours of everything
No card required. Every account gets the full modelling engine for 72 hours, then drops to a free plan — your data stays.
Start free