Residency over time
No other planner does thisPlan the move, not just the money
A stage in the UAE, retirement in Spain, maybe a return home late in life. Ember treats where you live as a first-class part of the plan: each stage carries its own spending level, healthcare cost and tax system, and the chart shows the whole journey at a glance.
Required pot · retiring to Dubai
$1,235,000
FIRE date · Sep 2033
+$25,000 vs staying in London
Zero tax on the drawdown — cancelled out by premium rents and compulsory private health cover that climbs with age
Illustrative example — one saver, same lifestyle; figures reflect local taxes and living costs. Your numbers depend on your plan · not advice.
Lay out your life as a sequence of countries — and see what each border crossing does to your plan.
01
What you're looking at
A country-coloured band across your age axis — every stage of your residency plan — with pins for the moves, the moments worth crystallising gains, and the FIRE date itself. One picture, your whole geographic life.
02
How Ember computes it
The timeline drives everything downstream: which country taxes each year, what your spending buys there, when exit taxes and wrapper recognition rules bite. Moving a stage boundary re-solves the whole plan — FIRE date, required pot, tax, estate.
03
Why it's different
Ember can tell you things like “realise this gain before you leave and save tens of thousands” — because it knows both tax systems and the date you cross between them. A one-country model can't even ask the question.
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.
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.