Estate & inheritance
No other planner does thisWhat actually reaches your heirs
Where you die tax-resident — and where your assets sit — decides what your heirs keep. Ember assembles your estate across jurisdictions, applies each country's inheritance rules and reliefs, and shows the waterfall from gross estate down to what actually passes on.
Anonymised sample plan: a UK earner who retires to Spain via the UAE — generated by the real Ember engine.
Cross-border estate maths: two countries' inheritance rules, treaties, and the waterfall from gross estate to what's left.
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What you're looking at
A waterfall from your projected gross estate through each country's charge — situs-country claims on property, residence-country charges on the rest, spousal and nil-rate reliefs where they genuinely apply — to the net amount your heirs receive.
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How Ember computes it
Assets carry their situs; you carry your residence history. Ember applies the versioned estate rules of each involved country at your projected death year — including the awkward real-world cases, like spousal exemptions that cap for a non-domiciled spouse.
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Why it's different
Most planners stop at “your terminal net worth”. For anyone whose life crosses a border, the gap between that number and what heirs receive can be enormous — and plannable, if you can see it early.
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.
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.