Cross-border tax
No other planner does thisTax, every year, in every country
Most planners model one country's tax forever. Ember walks your residency timeline year by year and applies each country's actual rules to the income arising in that year — with double-tax treaties deciding who taxes what when a pension, property or business sits in a different country than you do.
Anonymised sample plan: a UK earner who retires to Spain via the UAE — generated by the real Ember engine.
See exactly where you'll pay tax — every year, in every country, for the rest of your life.
01
What you're looking at
Your total tax, stacked by the country that levies it, across every year of your plan. The ribbon along the top shows where you're resident; watch the effective-rate line drop when a move takes you somewhere kinder to retirees.
02
How Ember computes it
Every income source carries its source country. Each year, Ember routes it through that year's residence: source-country withholding, treaty relief (credit or exemption, with the actual treaty article cited in the trace), then the residence country's own bands and allowances — in the country's own currency, converted only at the end.
03
Why it's different
Single-country planners silently apply one tax system to your whole life. If you've ever planned to retire somewhere else — or already left — that number is wrong from year one. Ember's is wrong nowhere, and every figure explains itself.
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
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.
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.