Net worth & portfolio
Every asset, every currency, one number
The tracker underneath the planner: broker and crypto sync, daily snapshots, a composition view of what your wealth is made of over time, and the honest line between what's investable and what merely counts.
Anonymised sample plan: a UK earner who retires to Spain via the UAE — generated by the real Ember engine.
Track everything you own and owe — brokers synced daily, property, pensions, debts — in the currencies they actually live in.
01
What you're looking at
Your projected net worth as a stacked composition — asset classes above the line, debts below it, amortising away — reconciled to the same journey line the FIRE date comes from.
02
Why it's different
Money is stored in minor units in its own currency, forever. Conversion happens at the edge, at today's rates — so a three-currency life doesn't get flattened into one misleading number.
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.
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.
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.