Affordability Calculator
Ages and Timeline
Assets (USD)
Monthly Income (USD)
Housing
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 five 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.
Lifestyle
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 Spain and Greece.
Tax Assumptions
Effective Tax Rate on Withdrawals, by Country Only affects years where a withdrawal happens, if a country shows a surplus, its slider won't change the results. Defaults are rough blended estimates, adjust to match your actual bracket.
📅 Figures current as of July 2026. Estimates only, not tax, legal, or financial advice, consult a professional before making decisions.