Monte Carlo & history
Battle-test against thousands of markets
A single projection is one future. Ember runs your plan through thousands of simulated market paths and through actual market history, then tells you the chance it survives — and what to change when it doesn't.
On track — your plan survived 1,989 of 2,000 historical futures (pot never depleted).
Terminal value range (10–90%): £2,071,959.71 – £27,411,755.47
Net-worth spectrum
Today's money · real termsWhen does the money run out?
In the 1% of futures that fail, the pot most often runs dry around age 85; earliest age 68. The other 99% never deplete.
Anonymised sample plan: a UK earner who retires to Spain via the UAE — generated by the real Ember engine.
Monte-Carlo simulation and every 30-year retirement since 1928 — in your currencies, not just the S&P.
01
What you're looking at
The spectrum of outcomes: the fan of simulated paths, the survival percentage, and the depletion-age histogram for the paths that fail — so risk has a shape, not just a number.
02
Why it's different
The historical backtest runs against your real multi-currency portfolio, and levers like “partner retires two years later” or a spending guardrail show exactly how much safety they buy.
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.
See where every pound flows
A year-by-year flow of your money — income, draw, tax by country, spending — that always balances.
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.