Optimiser
Let Ember find your best country & age
Beyond tracking: Ember searches the space of residency windows, crystallisation years, withdrawal orders and pension claim ages, and hands you a concrete plan with the lifetime saving attached — every step traceable, nothing prescriptive without your opt-in.
Lower-left is better: retire earlier (down) with a smaller pot (left). A dot can be efficient yet sit off the drawn frontier line when it wins on tax or legacy rather than age/pot.
Anonymised sample plan: a UK earner who retires to Spain via the UAE — generated by the real Ember engine.
A dated, explained action plan across four levers — where to live, when to crystallise, what to draw first, when to claim your pension.
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What you're looking at
The trade-off frontier across candidate countries and ages — you-are-here marked — plus the ranked plan: each action dated, each saving quantified against staying put.
02
Why it's different
An accountant optimises this year. Ember computes the whole life — and because the levers interact (claim age changes drawdown, residency changes both), searching them together finds money that one-at-a-time advice leaves behind.
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.
See where every pound flows
A year-by-year flow of your money — income, draw, tax by country, spending — that always balances.
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.