For global families
Salary in dirhams, a flat in Pune, school fees in Dubai, an index fund in dollars and a move you have pencilled in for 55. Each row keeps its own country, dates and currency, every cost rises at its own country’s prices, and the whole household projects in the currency you will actually spend.
Your Location
When will you move to India?When I stop workingat 55
| Row | Where | Starts | Ends | As entered | In INR |
|---|---|---|---|---|---|
| Salary | UAE | Today | At 55 | AED▾ 42,000 / mo | ≈ ₹9.53L / mo |
| Rent from the Pune flat | India | Today | At the move | INR▾ 30,000 / mo | ₹30,000 / mo |
| Rent in Dubai | UAE | Today | At the move | AED▾ 9,000 / mo | ≈ ₹2.04L / mo |
| School fees | UAE | Today | At the move | AED▾ 4,000 / mo | ≈ ₹90,800 / mo |
| Living in Dubai | UAE | Today | At the move | AED▾ 7,000 / mo | ≈ ₹1.59L / mo |
| Living in Pune | India | At the move | — | INR▾ 1,25,000 / mo | ₹1.25L / mo |
| Home loan | India | Today | Paid off 2039 | INR▾ 48,00,000 | ₹48L |
| S&P 500 ETF | NYSE | — | — | USD▾ 37,400 | ≈ ₹31.19L |
47%
how far the rupee’s buying power drifts against the Singapore dollar over twenty years, at the two central banks’ targets of 4% and 2%. A conversion done once and frozen misses all of it
3×
how much faster medical costs rise than prices generally in India — 12% against 4%. Settling there changes which rates your later life is priced at
2.2×
what a year of education in India costs ten years from now at its 8% trend. Where the children study is a figure, not a detail
15%
the fall in what money abroad buys, applied the day you stop working, in the stress test modelled on the pound after 2016
Earn here, settle there
Two questions, answered separately. Where do you earn and spend today? sets where new rows start and what your current spending is compared against. Where will you be living when you stop working? fixes the plan’s currency, its rates and its statutory schemes.
Then when will you move — when you stop working, at an age you choose, or you already live there. Rows that stop at the move stop; rows that start there start. Nothing you have typed is rewritten by any of it.
One set of totals
What you earn, what you spend and what you owe, each a year in your plan’s currency with the exact figure under the rounded one. The savings rate and the share of income going on living are read from the rows themselves, whichever country they are in.
Every one of 142 currencies is offered on every money row, shown as a code and a caret. Changing the currency of a figure you already typed always asks whether to convert it or keep the number — it never decides for you.
Prices where they are paid
Rent in Dubai inflates at UAE rates until the day it ends; the life you live in Pune afterwards inflates at India’s, with medical costs at 12% and education at 8%. Between the two, the plan allows for the drift in what one currency buys of the other.
Eleven countries to settle in, each with every rate shown and its source, and each rate copied into your own plan to change. Today’s spending is judged against where you live now, never against where you will live later.
What you own, wherever it is
A savings account in AED and a fixed deposit in rupees, each named by the country it is banked in. EPF and NPS from the years in India. Gold jewellery. A flat that becomes home after the move — counted for net worth, and never as money to draw down.
Money you set aside as the emergency fund leaves the corpus and sits on the Freedom Ladder’s first rung, so the same rupee is never counted twice.
When the rate moves
Your money abroad buys 15% less applies a fall, on the day you stop working, to everything you hold, earn, pay or expect in another currency — modelled on the pound after 2016. Tick it beside a 2008-style crash and the two compose into one line.
Here that takes a plan that lasts to 90 and runs it out at 82. The Retirement Tracker says so in a word, a figure and a year — and the ledger shows every row it came from.
Investments across exchanges
NSE, BSE and Indian mutual funds beside NASDAQ, NYSE, the London Stock Exchange and US and European funds. Each holding keeps its market’s currency and converts once, so the portfolio and the plan are always the same money.
Investment Performance then asks whether it is earning what your plan assumes — and one of its six readings is how much of it is already in the currency you will be spending.
How Investment Performance works →Questions families ask
Yes. You say where you earn and spend today, where you will be living when you stop working, and when you move. Salary, rent, school fees and loans keep their own country, dates and currency; the plan reports in the currency of the country you will live in, and each row converts once at today’s checked rate.
No. A row that names a country rises at that country’s rates until it ends. The life after the move is priced where you will live it — its own inflation, medical and education trends — and your spending today is compared against benchmarks for where you live now.
There is a stress test for it. “Your money abroad buys 15% less” applies a 15% fall, on the day you stop working, to everything you hold, earn, pay or expect in another currency — modelled on two recorded moves — and draws the result beside your plan.
Yes. Bank deposits in any of 47 countries in their own currency, statutory schemes from your years in India, and stocks, ETFs and funds on NSE, BSE, NASDAQ, NYSE and London — all counted in one corpus.
Free, with no bank or broker login. About two minutes to a first answer in the currency you will spend, then add each row in the country and currency it is really in.
Start your plan