Cashflow
See where every pound flows
Every year of retirement, money arrives, is taxed somewhere, and funds your life. Ember's cashflow view draws that as a balanced flow graph you can scrub across the years — including the tax node split by the country that takes it.
Portfolio composition
| Income sources | £62,709 |
|---|---|
| Tax (by country) | £709 |
| Living expenses | £62,000 |
| Debt service | — |
| To portfolio | — |
| Total inflow2042 | £62,709 |
Anonymised sample plan: a UK earner who retires to Spain via the UAE — generated by the real Ember engine.
A year-by-year flow of your money — income, draw, tax by country, spending — that always balances.
01
What you're looking at
Pensions, rental, drawdown and one-off events on the left; tax (by jurisdiction) and spending on the right. The flows re-route visibly when your residency changes.
02
Why it's different
The flows come from the same simulation that sets your FIRE date — not a separate illustrative model — so what you see is what the plan actually does.
Previews on this page describe Ember’s real, shipped surfaces — nothing here is a mock-up. Your own numbers replace every example the moment you sign in.
Explore the rest
Tax, every year, in every country
See exactly where you'll pay tax — every year, in every country, for the rest of your life.
Plan 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.
What actually reaches your heirs
Cross-border estate maths: two countries' inheritance rules, treaties, and the waterfall from gross estate to what's left.
Your countries. Your currencies.
Versioned tax, pension and estate rules across 30 countries — every figure carrying its source and confidence.
Battle-test against thousands of markets
Monte-Carlo simulation and every 30-year retirement since 1928 — in your currencies, not just the S&P.
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.
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.