Financial horizon

Given your income, lifestyle, and time frame — how much could you actually keep in each country? Every number below is your income, minus tax on that income, minus the cost of living that matches your tier, with optional compound returns on the slice you choose to invest. No weighting, no black box — just arithmetic you can audit.

Employment type Lifestyle tier Monthly income (€) Before tax. Applies ½ second after you stop typing. Horizon

years

Starting savings (€) Lump sum you start with. Funds the gap when income falls short of cost. Income growth (nominal raises): 4.0% Annual nominal pay raise. Real growth = this minus the country's inflation rate, applied yearly. Invest % of annual savings: 0% Slice deposited into an investment pot. 0% = cash only. ROI on savings: 7.0% Nominal annual return. Real return = this minus the country's inflation rate.

Countries

45 of 45 selected · scroll for more

Cumulative savings · 10 years

At €4,000/month freelance · comfortable lifestyle

Excluded from the chart: 🇦🇱 AL(data gaps: tax_rate), 🇲🇰 MK(data gaps: tax_rate), 🇮🇸 IS(data gaps: tax_rate), 🇸🇪 SE(data gaps: tax_rate), 🇩🇰 DK(data gaps: tax_rate), 🇳🇴 NO(data gaps: tax_rate), 🇨🇿 CZ(data gaps: tax_rate), 🇷🇸 RS(data gaps: tax_rate), 🇷🇺 RU(data gaps: tax_rate), 🇧🇦 BA(data gaps: tax_rate), 🇭🇺 HU(data gaps: tax_rate), 🇧🇬 BG(data gaps: tax_rate), 🇲🇪 ME(data gaps: tax_rate), 🇬🇷 GR(data gaps: tax_rate), 🇳🇿 NZ(data gaps: tax_rate), 🇨🇾 CY(data gaps: tax_rate), 🇨🇦 CA(data gaps: tax_rate), 🇭🇷 HR(data gaps: tax_rate), 🇸🇰 SK(data gaps: tax_rate), 🇵🇹 PT(data gaps: tax_rate), 🇦🇺 AU(data gaps: tax_rate), 🇮🇹 IT(data gaps: tax_rate), 🇪🇸 ES(data gaps: tax_rate), 🇱🇻 LV(data gaps: tax_rate), 🇱🇹 LT(data gaps: tax_rate), 🇲🇹 MT(data gaps: tax_rate), 🇪🇪 EE(data gaps: tax_rate), 🇧🇪 BE(data gaps: tax_rate), 🇫🇷 FR(data gaps: tax_rate), 🇦🇹 AT(data gaps: tax_rate), 🇫🇮 FI(data gaps: tax_rate), 🇳🇱 NL(data gaps: tax_rate), 🇮🇪 IE(data gaps: tax_rate), 🇺🇸 US(data gaps: tax_rate), 🇹🇷 TR(data gaps: tax_rate), 🇱🇺 LU(data gaps: tax_rate), 🇬🇧 GB(data gaps: tax_rate), 🇱🇮 LI(data gaps: tax_rate)

The page projects in real terms — every total, runway, and survival number is expressed as today's euros, not future euros. €100,000 at year 10 means "today's €100,000 worth of buying power", regardless of how big the nominal number on a future bank statement looks.

Inputs you type are nominal: today's payslip, today's bills, your nominal raise rate, the nominal investment return. The calculator subtracts each country's inflation rate (5-year avg per country) to compute real growth and real return, and runs the projection in today's-euro terms.

Two cumulative numbers tell the inflation-vs-raises story on each card: Raise gain is real € your raises added above year-1 income — negative when raises don't keep up with inflation. Inflation drag is the cumulative nominal extra euros you pay at the till for the same cost-of-living basket — that's the figure you actually feel on receipts.

Dot legend Healthy Thin Surviving Unsustainable Data gap

🇬🇪 Georgia

EU candidate

€399,628

end-of-horizon cumulative savings

Monthly cost: €372
Effective tax: 1.0%
Annual tax: €480
Annual cost: €4,474
Annual save: €43,045
Over 10y · raises 4.0% / inflation 5.5%
Raise gain (real): €-31,137
Inflation drag (nominal): −€12,865

Show the math

🇵🇱 Poland

EU EEA Schengen

€356,601

end-of-horizon cumulative savings

Monthly cost: €354
Effective tax: 5.0%
Annual tax: €2,400
Annual cost: €4,251
Annual save: €41,348
Over 10y · raises 4.0% / inflation 7.0%
Raise gain (real): €-59,878
Inflation drag (nominal): −€16,225

Show the math

🇺🇦 Ukraine

EU candidate

€348,252

end-of-horizon cumulative savings

Monthly cost: €20
Effective tax: 5.0%
Annual tax: €2,400
Annual cost: €240
Annual save: €45,360
Over 10y · raises 4.0% / inflation 10.0%
Raise gain (real): €-110,892
Inflation drag (nominal): −€1,424

Show the math

🇷🇴 Romania

EU EEA Schengen

€339,053

end-of-horizon cumulative savings

Monthly cost: €257
Effective tax: 10.0%
Annual tax: €4,800
Annual cost: €3,088
Annual save: €40,111
Over 10y · raises 4.0% / inflation 7.5%
Raise gain (real): €-68,958
Inflation drag (nominal): −€12,807

Show the math

🇲🇩 Moldova

EU candidate

€337,586

end-of-horizon cumulative savings

Monthly cost: €47
Effective tax: 7.0%
Annual tax: €3,360
Annual cost: €568
Annual save: €44,071
Over 10y · raises 4.0% / inflation 10.0%
Raise gain (real): €-110,892
Inflation drag (nominal): −€3,374

Show the math

🇸🇮 Slovenia

EU EEA Schengen

€214,908

end-of-horizon cumulative savings

Monthly cost: €1,800
Effective tax: 4.0%
Annual tax: €1,920
Annual cost: €21,600
Annual save: €24,480
Over 10y · raises 4.0% / inflation 5.5%
Raise gain (real): €-31,137
Inflation drag (nominal): −€62,107

Show the math

🇩🇪 Germany

EU EEA Schengen

€124,800

end-of-horizon cumulative savings

Monthly cost: €2,400
Effective tax: 14.0%
Annual tax: €6,720
Annual cost: €28,800
Annual save: €12,480
Over 10y · raises 4.0% / inflation 4.0%
Raise gain (real): +€0
Inflation drag (nominal): −€57,775

Show the math

🇦🇱 Albania

EU candidate

data gaps

€457,753

end-of-horizon cumulative savings

Monthly cost: €10
Effective tax: 0.0%
Annual tax: €0
Annual cost: €121
Annual save: €47,878
Over 10y · raises 4.0% / inflation 5.0%
Raise gain (real): €-21,033
Inflation drag (nominal): −€312

Missing: tax_rate. Missing inputs treated as zero.

🇲🇰 North Macedonia

EU candidate

data gaps

€457,209

end-of-horizon cumulative savings

Monthly cost: €14
Effective tax: 0.0%
Annual tax: €0
Annual cost: €175
Annual save: €47,824
Over 10y · raises 4.0% / inflation 5.0%
Raise gain (real): €-21,033
Inflation drag (nominal): −€452

Missing: tax_rate. Missing inputs treated as zero.

🇮🇸 Iceland

EEA Schengen

data gaps

€456,388

end-of-horizon cumulative savings

Monthly cost: €21
Effective tax: 0.0%
Annual tax: €0
Annual cost: €257
Annual save: €47,742
Over 10y · raises 4.0% / inflation 5.0%
Raise gain (real): €-21,033
Inflation drag (nominal): −€664

Missing: tax_rate. Missing inputs treated as zero.

🇸🇪 Sweden

EU EEA Schengen

data gaps

€451,289

end-of-horizon cumulative savings

Monthly cost: €239
Effective tax: 0.0%
Annual tax: €0
Annual cost: €2,871
Annual save: €45,128
Over 10y · raises 4.0% / inflation 4.0%
Raise gain (real): +€0
Inflation drag (nominal): −€5,759

Missing: tax_rate. Missing inputs treated as zero.

🇩🇰 Denmark

EU EEA Schengen

data gaps

€450,810

end-of-horizon cumulative savings

Monthly cost: €428
Effective tax: 0.0%
Annual tax: €0
Annual cost: €5,137
Annual save: €42,862
Over 10y · raises 4.0% / inflation 3.0%
Raise gain (real): +€22,186
Inflation drag (nominal): −€7,520

Missing: tax_rate. Missing inputs treated as zero.

🇳🇴 Norway

EEA Schengen

data gaps

€442,378

end-of-horizon cumulative savings

Monthly cost: €313
Effective tax: 0.0%
Annual tax: €0
Annual cost: €3,762
Annual save: €44,237
Over 10y · raises 4.0% / inflation 4.0%
Raise gain (real): +€0
Inflation drag (nominal): −€7,547

Missing: tax_rate. Missing inputs treated as zero.

🇨🇿 Czechia

EU EEA Schengen

data gaps

€430,832

end-of-horizon cumulative savings

Monthly cost: €68
Effective tax: 0.0%
Annual tax: €0
Annual cost: €819
Annual save: €47,180
Over 10y · raises 4.0% / inflation 6.0%
Raise gain (real): €-40,974
Inflation drag (nominal): −€2,606

Missing: tax_rate. Missing inputs treated as zero.

🇷🇸 Serbia

EU candidate

data gaps

€418,890

end-of-horizon cumulative savings

Monthly cost: €10
Effective tax: 0.0%
Annual tax: €0
Annual cost: €123
Annual save: €47,876
Over 10y · raises 4.0% / inflation 7.0%
Raise gain (real): €-59,878
Inflation drag (nominal): −€469

Missing: tax_rate. Missing inputs treated as zero.

🇷🇺 Russia

data gaps

€409,666

end-of-horizon cumulative savings

Monthly cost: €11
Effective tax: 0.0%
Annual tax: €0
Annual cost: €137
Annual save: €47,862
Over 10y · raises 4.0% / inflation 7.5%
Raise gain (real): €-68,958
Inflation drag (nominal): −€570

Missing: tax_rate. Missing inputs treated as zero.

🇧🇦 Bosnia and Herzegovina

EU candidate

data gaps

€403,746

end-of-horizon cumulative savings

Monthly cost: €460
Effective tax: 0.0%
Annual tax: €0
Annual cost: €5,521
Annual save: €42,478
Over 10y · raises 4.0% / inflation 5.0%
Raise gain (real): €-21,033
Inflation drag (nominal): −€14,235

Missing: tax_rate. Missing inputs treated as zero.

🇭🇺 Hungary

EU EEA Schengen

data gaps

€393,153

end-of-horizon cumulative savings

Monthly cost: €3
Effective tax: 0.0%
Annual tax: €0
Annual cost: €43
Annual save: €47,956
Over 10y · raises 4.0% / inflation 8.5%
Raise gain (real): €-86,406
Inflation drag (nominal): −€212

Missing: tax_rate. Missing inputs treated as zero.

🇧🇬 Bulgaria

EU EEA Schengen

data gaps

€343,427

end-of-horizon cumulative savings

Monthly cost: €639
Effective tax: 0.0%
Annual tax: €0
Annual cost: €7,669
Annual save: €40,330
Over 10y · raises 4.0% / inflation 7.0%
Raise gain (real): €-59,878
Inflation drag (nominal): −€29,269

Missing: tax_rate. Missing inputs treated as zero.

🇲🇪 Montenegro

EU candidate

data gaps

€326,966

end-of-horizon cumulative savings

Monthly cost: €1,100
Effective tax: 0.0%
Annual tax: €0
Annual cost: €13,200
Annual save: €34,800
Over 10y · raises 4.0% / inflation 5.0%
Raise gain (real): €-21,033
Inflation drag (nominal): −€34,028

Missing: tax_rate. Missing inputs treated as zero.

🇬🇷 Greece

EU EEA Schengen

data gaps

€310,186

end-of-horizon cumulative savings

Monthly cost: €1,600
Effective tax: 0.0%
Annual tax: €0
Annual cost: €19,200
Annual save: €28,800
Over 10y · raises 4.0% / inflation 3.0%
Raise gain (real): +€22,186
Inflation drag (nominal): −€28,106

Missing: tax_rate. Missing inputs treated as zero.

🇳🇿 New Zealand

data gaps

€304,294

end-of-horizon cumulative savings

Monthly cost: €1,464
Effective tax: 0.0%
Annual tax: €0
Annual cost: €17,570
Annual save: €30,429
Over 10y · raises 4.0% / inflation 4.0%
Raise gain (real): +€0
Inflation drag (nominal): −€35,248

Missing: tax_rate. Missing inputs treated as zero.

🇨🇾 Cyprus

EU EEA

data gaps

€298,945

end-of-horizon cumulative savings

Monthly cost: €1,600
Effective tax: 0.0%
Annual tax: €0
Annual cost: €19,200
Annual save: €28,800
Over 10y · raises 4.0% / inflation 3.5%
Raise gain (real): +€10,945
Inflation drag (nominal): −€33,242

Missing: tax_rate. Missing inputs treated as zero.

🇨🇦 Canada

data gaps

€283,011

end-of-horizon cumulative savings

Monthly cost: €1,732
Effective tax: 0.0%
Annual tax: €0
Annual cost: €20,793
Annual save: €27,206
Over 10y · raises 4.0% / inflation 3.5%
Raise gain (real): +€10,945
Inflation drag (nominal): −€36,001

Missing: tax_rate. Missing inputs treated as zero.

🇭🇷 Croatia

EU EEA Schengen

data gaps

€268,862

end-of-horizon cumulative savings

Monthly cost: €1,500
Effective tax: 0.0%
Annual tax: €0
Annual cost: €18,000
Annual save: €30,000
Over 10y · raises 4.0% / inflation 5.5%
Raise gain (real): €-31,137
Inflation drag (nominal): −€51,756

Missing: tax_rate. Missing inputs treated as zero.

🇸🇰 Slovakia

EU EEA Schengen

data gaps

€259,025

end-of-horizon cumulative savings

Monthly cost: €1,500
Effective tax: 0.0%
Annual tax: €0
Annual cost: €18,000
Annual save: €30,000
Over 10y · raises 4.0% / inflation 6.0%
Raise gain (real): €-40,974
Inflation drag (nominal): −€57,254

Missing: tax_rate. Missing inputs treated as zero.

🇵🇹 Portugal

EU EEA Schengen

data gaps

€252,000

end-of-horizon cumulative savings

Monthly cost: €1,900
Effective tax: 0.0%
Annual tax: €0
Annual cost: €22,800
Annual save: €25,200
Over 10y · raises 4.0% / inflation 4.0%
Raise gain (real): +€0
Inflation drag (nominal): −€45,739

Missing: tax_rate. Missing inputs treated as zero.

🇦🇺 Australia

data gaps

€251,792

end-of-horizon cumulative savings

Monthly cost: €1,901
Effective tax: 0.0%
Annual tax: €0
Annual cost: €22,820
Annual save: €25,179
Over 10y · raises 4.0% / inflation 4.0%
Raise gain (real): +€0
Inflation drag (nominal): −€45,780

Missing: tax_rate. Missing inputs treated as zero.

🇮🇹 Italy

EU EEA Schengen

data gaps

€250,945

end-of-horizon cumulative savings

Monthly cost: €2,000
Effective tax: 0.0%
Annual tax: €0
Annual cost: €24,000
Annual save: €24,000
Over 10y · raises 4.0% / inflation 3.5%
Raise gain (real): +€10,945
Inflation drag (nominal): −€41,553

Missing: tax_rate. Missing inputs treated as zero.

🇪🇸 Spain

EU EEA Schengen

data gaps

€250,945

end-of-horizon cumulative savings

Monthly cost: €2,000
Effective tax: 0.0%
Annual tax: €0
Annual cost: €24,000
Annual save: €24,000
Over 10y · raises 4.0% / inflation 3.5%
Raise gain (real): +€10,945
Inflation drag (nominal): −€41,553

Missing: tax_rate. Missing inputs treated as zero.

🇱🇻 Latvia

EU EEA Schengen

data gaps

€240,121

end-of-horizon cumulative savings

Monthly cost: €1,500
Effective tax: 0.0%
Annual tax: €0
Annual cost: €18,000
Annual save: €30,000
Over 10y · raises 4.0% / inflation 7.0%
Raise gain (real): €-59,878
Inflation drag (nominal): −€68,696

Missing: tax_rate. Missing inputs treated as zero.

🇱🇹 Lithuania

EU EEA Schengen

data gaps

€240,121

end-of-horizon cumulative savings

Monthly cost: €1,500
Effective tax: 0.0%
Annual tax: €0
Annual cost: €18,000
Annual save: €30,000
Over 10y · raises 4.0% / inflation 7.0%
Raise gain (real): €-59,878
Inflation drag (nominal): −€68,696

Missing: tax_rate. Missing inputs treated as zero.

🇲🇹 Malta

EU EEA Schengen

data gaps

€238,945

end-of-horizon cumulative savings

Monthly cost: €2,100
Effective tax: 0.0%
Annual tax: €0
Annual cost: €25,200
Annual save: €22,800
Over 10y · raises 4.0% / inflation 3.5%
Raise gain (real): +€10,945
Inflation drag (nominal): −€43,631

Missing: tax_rate. Missing inputs treated as zero.

🇪🇪 Estonia

EU EEA Schengen

data gaps

€222,121

end-of-horizon cumulative savings

Monthly cost: €1,650
Effective tax: 0.0%
Annual tax: €0
Annual cost: €19,800
Annual save: €28,200
Over 10y · raises 4.0% / inflation 7.0%
Raise gain (real): €-59,878
Inflation drag (nominal): −€75,565

Missing: tax_rate. Missing inputs treated as zero.

🇧🇪 Belgium

EU EEA Schengen

data gaps

€216,000

end-of-horizon cumulative savings

Monthly cost: €2,200
Effective tax: 0.0%
Annual tax: €0
Annual cost: €26,400
Annual save: €21,600
Over 10y · raises 4.0% / inflation 4.0%
Raise gain (real): +€0
Inflation drag (nominal): −€52,961

Missing: tax_rate. Missing inputs treated as zero.

🇫🇷 France

EU EEA Schengen

data gaps

€202,186

end-of-horizon cumulative savings

Monthly cost: €2,500
Effective tax: 0.0%
Annual tax: €0
Annual cost: €30,000
Annual save: €18,000
Over 10y · raises 4.0% / inflation 3.0%
Raise gain (real): +€22,186
Inflation drag (nominal): −€43,916

Missing: tax_rate. Missing inputs treated as zero.

🇦🇹 Austria

EU EEA Schengen

data gaps

€193,342

end-of-horizon cumulative savings

Monthly cost: €2,300
Effective tax: 0.0%
Annual tax: €0
Annual cost: €27,600
Annual save: €20,400
Over 10y · raises 4.0% / inflation 4.5%
Raise gain (real): €-10,657
Inflation drag (nominal): −€63,154

Missing: tax_rate. Missing inputs treated as zero.

🇫🇮 Finland

EU EEA Schengen

data gaps

€190,945

end-of-horizon cumulative savings

Monthly cost: €2,500
Effective tax: 0.0%
Annual tax: €0
Annual cost: €30,000
Annual save: €18,000
Over 10y · raises 4.0% / inflation 3.5%
Raise gain (real): +€10,945
Inflation drag (nominal): −€51,941

Missing: tax_rate. Missing inputs treated as zero.

🇳🇱 Netherlands

EU EEA Schengen

data gaps

€144,000

end-of-horizon cumulative savings

Monthly cost: €2,800
Effective tax: 0.0%
Annual tax: €0
Annual cost: €33,600
Annual save: €14,400
Over 10y · raises 4.0% / inflation 4.0%
Raise gain (real): +€0
Inflation drag (nominal): −€67,405

Missing: tax_rate. Missing inputs treated as zero.

🇮🇪 Ireland

EU EEA

data gaps

€142,945

end-of-horizon cumulative savings

Monthly cost: €2,900
Effective tax: 0.0%
Annual tax: €0
Annual cost: €34,800
Annual save: €13,200
Over 10y · raises 4.0% / inflation 3.5%
Raise gain (real): +€10,945
Inflation drag (nominal): −€60,252

Missing: tax_rate. Missing inputs treated as zero.

🇺🇸 United States

data gaps

€129,483

end-of-horizon cumulative savings

Monthly cost: €2,920
Effective tax: 0.0%
Annual tax: €0
Annual cost: €35,051
Annual save: €12,948
Over 10y · raises 4.0% / inflation 4.0%
Raise gain (real): +€0
Inflation drag (nominal): −€70,317

Missing: tax_rate. Missing inputs treated as zero.

🇹🇷 Turkey

EU candidate

data gaps

€129,335

end-of-horizon cumulative savings

Monthly cost: €20
Effective tax: 0.0%
Annual tax: €0
Annual cost: €246
Annual save: €47,753
Over 10y · raises 4.0% / inflation 40.0%
Raise gain (real): €-348,203
Inflation drag (nominal): −€14,717

Missing: tax_rate. Missing inputs treated as zero.

🇱🇺 Luxembourg

EU EEA Schengen

data gaps

€106,945

end-of-horizon cumulative savings

Monthly cost: €3,200
Effective tax: 0.0%
Annual tax: €0
Annual cost: €38,400
Annual save: €9,600
Over 10y · raises 4.0% / inflation 3.5%
Raise gain (real): +€10,945
Inflation drag (nominal): −€66,485

Missing: tax_rate. Missing inputs treated as zero.

🇬🇧 United Kingdom

data gaps

€52,822

end-of-horizon cumulative savings

Monthly cost: €3,471
Effective tax: 0.0%
Annual tax: €0
Annual cost: €41,652
Annual save: €6,348
Over 10y · raises 4.0% / inflation 4.5%
Raise gain (real): €-10,657
Inflation drag (nominal): −€95,308

Missing: tax_rate. Missing inputs treated as zero.

🇱🇮 Liechtenstein

EEA Schengen

1y runway

€-38,028

your starting €0 runs out at year 1 (deficit €1,699/year)

Monthly cost: €4,141
Effective tax: 0.0%
Annual tax: €0
Annual cost: €49,699
Annual save: €-1,699
Over 10y · raises 4.0% / inflation 5.0%
Raise gain (real): €-21,033
Inflation drag (nominal): −€128,119

Missing: tax_rate. Missing inputs treated as zero.

Phase-2 model: linear cash savings + compound returns on the invested slice. Freelance mode uses taxes.freelance_effective_rate; employee mode applies the country's progressive taxes.income_tax_brackets to your annual income. Cost of living uses your tier's metric. Investment pot compounds end-of-year at your chosen rate — no inflation deflation, no fees, no taxes on the gain. Still deferred to later phases: inflation, capital-gains tax on withdrawals, mandatory social-security contributions, and "what this money buys here" (PPP).