Financial Tools
Illustrative calculators to help you think through the numbers, not a substitute for qualified advice. Not sure where to start? Take the Expat Financial Health Check and it will point you to the right tools.
Where should you start?
“I have a UK pension and live abroad”
Expat Financial Health Check
then: Pension Pot Illustrator
“I am thinking about inheritance tax”
Inheritance Tax Illustrator
then: Pension IHT Projector
“I am considering moving country”
Cost of Living Comparison
then: Cashflow Model
“I am a US citizen or green-card holder abroad”
US persons abroad pathway
then: US Estate Tax Estimator
“I have a defined benefit (final salary) pension”
CETV Estimator
then: DB transfers explained
“I want to understand my retirement income”
Cashflow Model
then: Pension Pot Illustrator
Explore the tools
Score your cross-border financial position across 5 dimensions: pension, estate & IHT, tax compliance, protection, and adviser oversight. 10 questions, results in minutes.
Illustrative only, not financial advice.
Start the health checkProject how your UK pension’s Inheritance Tax exposure could grow year by year to retirement under the April 2027 rules. Built for expats, not a generic UK tool.
Illustrative only, not financial advice.
Project my exposureIllustrative inheritance tax estimate using current HMRC thresholds, including the April 2027 pension change. Understand your nil-rate band, residence nil-rate band, and potential charge.
Illustrative only, not financial advice.
Estimate my exposureIllustrate your UK pension pot value at retirement. Adjust contributions, growth rate, and target retirement age to explore different outcomes.
Illustrative only, not financial advice.
Illustrate my potYear-by-year income versus expenses projection. Explore scenarios by adjusting income, costs, and rates to see how your position could evolve over time.
Illustrative only, not financial advice.
Map my runwayIndicative Cash Equivalent Transfer Value estimate for defined benefit pensions. Understand the factors behind transfer value calculations. Actual CETVs come from your scheme administrator.
Illustrative only, not financial advice.
Estimate my CETVEstimate US federal estate tax exposure on US-situs assets. Applies the 26 USC §2001(c) rate schedule with US-UK and other treaty credit options for non-US persons.
Illustrative only, not financial advice.
Estimate US exposureCompare the cost of living between countries across 7 regions. See how far your income could go in 14 expat destinations.
Illustrative only, not financial advice.
Compare destinationsGood to know
Yes. Every tool here is free. The calculators run without any sign-up; the Expat Financial Health Check shows your headline score first and asks for your details only if you choose to unlock the full breakdown. They are designed to help you understand your position before a conversation with a specialist.
Try the Pension Pot IllustratorNo. The tools are illustrative and educational only. They do not provide a personal recommendation or financial advice, and the figures are estimates to inform your own thinking and your conversation with a regulated specialist.
Read our disclaimersIf you are not sure, start with the Expat Financial Health Check: it scores your whole position and points you to the areas worth reviewing. For the April 2027 pension change, use the Pension IHT Exposure Projector; for your wider estate, the Inheritance Tax Illustrator. For retirement numbers, the Pension Pot Illustrator and Cashflow Model; for a defined benefit pension, the CETV Estimator. Comparing countries? Use the Cost of Living Comparison. Holding US assets or a US passport? Use the US Estate Tax Estimator. Each is a starting point, not a substitute for specialist advice.
Start with the health checkThe calculators (pension, cost of living, inheritance tax, cashflow, and CETV) run in your browser and do not create an enquiry or send your details anywhere. The financial health check is different: it ends with an optional form, and only if you choose to submit it are your details captured, always for human review and never auto-forwarded.
Read our privacy policyIf the results raise questions specific to your circumstances, you can request a free, human-reviewed introduction to a regulated specialist. There is no obligation, and your details are never auto-forwarded.
Request a specialist introductionA guide for UK nationals in Spain on sense-checking how retirement and investment money is being looked after, including fees, suitability, and review frequency.
OpenEstimate your UK pension pot value at retirement.
OpenEstimate a defined benefit transfer value and its drivers.
OpenYear-by-year income versus expenses projection.
OpenProject how a UK pension's IHT exposure grows to retirement under the April 2027 rules.
OpenA neutral guide for UK expats on when and how a UK defined contribution pension can be accessed from abroad, covering tax, NT codes, and practical steps.
OpenTake the next step
Takes 5 minutes. No commitment. No financial advice.