JoyZen Mediterranean Retirement Calculator

Retire in the Mediterranean

About the Pre-Filled Example Pre-filled with a couple in their early 40s who’ve saved well ahead of their age group, based on 2026 Federal Reserve data.Not yours yetThe results aren’t yours until you edit the inputs below.
Ages & Timeline
Assets & Debts
$
3.0%
$
$
$
$
6.0%
3.0%
Monthly Income & Outflows
$
$
$
$
Housing
$
$
2.5%
Assumes an all-cash purchase, no mortgage modeled due to rates and terms that vary widely by country. Read more

Non-resident mortgages do exist in all six countries, but typically require a much larger down payment than a local would need (often 30–40% vs. 10–20%), local paperwork (a tax ID, a local bank account), and carry currency risk if your income is in USD while the loan is in euros. Rates are Euribor-linked and have swung from under 3% to over 4% in just the past few years, too volatile to bake into a static estimate responsibly.

$
20%
Lifestyle
1.0%
$
4.0%
Figures throughout this tool are calibrated to coastal areas, generally the most expensive part of each country. Read more

Considering somewhere inland? Set the adjustment above to Lean or Modest and lower your purchase price to roughly match. Healthcare figures are per person at age 65+; if you're younger, real costs are likely lower than shown, especially in Greece and Spain.

Currency & Tax Assumptions
0.85
15%
Withdrawal tax rates, by country Each country’s default is a rough blended estimate from its official tax rules, combining ordinary income and capital gains treatment into one simplified number.When it mattersOnly in years your Result Card shows a withdrawal. In a surplus year there’s nothing to tax, so changing this slider won’t change that year’s result.Adjust to match your actual bracket for a more precise result.MaltaThis rate covers investment gains and rental income. Pension income is taxed separately and automatically: 15%, with a €7,500 yearly minimum, credited against your US rate.
7%
No special regime
28%
22%
7%
12%
Gains and rental. Pension tax is added automatically
0%
Results Loading current assumptions… Live
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Spendable Savings Tracks your cash, investments, and retirement accounts (once unlocked) over time: the money you could actually spend.A line hitting $0 means that country’s plan runs out before your plan-to age.Not includedHome equity. See Net Worth on each results card for the full picture.

Country Comparison Compares all six countries across five cost-of-living and lifestyle factors at once.Each axis is scored 0-100 relative to these six countries, not on an absolute scale:The cheapest or best country on each factor scores 100The others score proportionally lowerTipHover a factor (on a phone, tap one) to compare all six countries, with the real number behind each score, like the actual price per square meter or dollar cost.

Figures current as of October 2026. Estimates only, not tax, legal, or financial advice. Consult a professional before making decisions.

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