🇲🇩 Moldova calculation walkthrough

Country-specific cost-of-living estimate for your selected lifestyle tier (tight or comfortable). Stored in the country's native currency, converted to € at current FX.

Income-blind: how many days your starting lump sum alone funds this country's monthly cost. Doesn't assume any income — pure runway from the lump sum.

Freelance mode reads a single flat percentage. Employee mode walks the country's income-tax brackets and divides total tax by income to get an effective rate.

Year-1 gross annual income before tax, in €.

Year-1 tax owed at the country's effective rate.

Year-1 cost of living. Held flat in real terms across the horizon (because the projection runs in today's purchasing power).

Year-1 surplus. Subsequent years differ when raises beat or lag inflation — see the year-by-year walkthrough.

World Bank CPI 2019–2023 average, rounded to 0.5%. Default 5% when no country-specific value is set. Drives both real_growth and real_return.

How fast your income grows in today's purchasing power. Positive when raises beat inflation; negative when raises lag. Simple subtraction (Fisher exact form would be (1+nominal)/(1+inflation)−1).

How fast your invested pot grows in today's purchasing power. Same simple-subtraction approximation as real_growth.

Year-1 income compounded by real_growth each year. y=1 equals annual_income; y=2 has one round of growth applied.

Year y's surplus. Cost stays at annual_cost because it's already in real terms. Tax scales with income.

Year y's contribution to the invested pot. Negative real_save means no deposit (we don't auto-borrow).

Year y's contribution to the cash pot. Stays negative if real_save is negative — the deficit is funded by your lump sum.

End-of-year deposits. The previous balance grows by real_return first, then this year's deposit is added (it doesn't earn interest the year it's deposited).

Cumulative cash savings, including your starting lump sum. Cash earns no return in this model.

Real-€ total at the end of the horizon. Already accounts for raises, taxes, cost of living, and compound returns — all in today's purchasing power.

Cumulative real € your raises added above year-1 income. Always 0 in year 1; grows each year if raises beat inflation. Already folded into the heading — this is a decomposition, not a side number.

Cumulative nominal € you'd pay extra at the till for the same cost-of-living basket. Pure communication metric — not subtracted from the heading (the heading is already in real terms).

Pot value minus the actual sum of deposits put into it. Pure interest-on-interest at the real_return rate — no raise-driven money mixed in. Matches the "Compound interest" band in the chart.

Year your starting savings + ongoing saves first dip below zero. Null if you stay solvent the entire horizon.