Planning tools
Put the move
through its paces.
Choose one decision, use your own quotes and keep currencies consistent. Switching tools preserves your entered values. These are planning estimates, not tax assessments or lending approvals.
What are you trying to work out?
Compare salary and five-year savings scenarios → · Dual-currency net-pay estimator →
Before Quick Budget
Work out the tax assumptions behind your budget
Two focused planning tools. Every amount is in the destination’s currency; no hidden exchange-rate conversion.
Spanish Tax Scenarios: assumptions
Ordinary IRPF depends on region and facts; Article 93 needs separate eligibility confirmation. An employee calculation is not a freelance tax assessment.
Method, references and questions
Replace samples with written quotes. Calculations are browser-local planning illustrations, not approvals or tax returns. Annual amounts are spread over 12 months for affordability; check when the cash is actually due.
Can every autónomo choose 24%?
No. Qualification follows defined statutory routes; a standard contractor label does not establish it.
Is the tool a 2026 tax return?
No. Ordinary tax uses a stated 2025 schedule baseline and simplified relief assumptions.
Thai Tax Exposure: assumptions
Payer location does not determine income source. Check work location, residence, earning year, remittance and treaty treatment before entering a tax reserve.
Method, references and questions
Replace samples with written quotes. Calculations are browser-local planning illustrations, not approvals or tax returns. Annual amounts are spread over 12 months for affordability; check when the cash is actually due.
Does waiting until next year make foreign income exempt?
Not automatically for post-2023 foreign income within the resident/remittance rules.
Why is an unclear source blocked?
Work done in Thailand can be taxable independently of foreign payment or remittance. Classification must come first.
01 · Cash flow
Stress-test your cross-border cash flow.
Use after-tax income. Include costs you keep at home, annual bills and a currency shock—not just rent and groceries.
Use one currency for every input below. The selector changes the label; it does not convert amounts. Your margin is what remains after spending, saving and the selected stress.
Quick Budget: assumptions
Use confirmed after-tax income. Annual bills are divided by 12; the currency cushion is a stress test, not another FX transfer fee. Deposits belong in the Landing Fund.
Method, references and questions
Replace samples with written quotes. Calculations are browser-local planning illustrations, not approvals or tax returns. Annual amounts are spread over 12 months for affordability; check when the cash is actually due.
Does this budget calculate my tax?
No. Enter take-home after your actual tax and contribution assumptions, or use a separate estimator first.
Is the currency cushion an investment hedge?
No. It is a spending stress assumption. It does not protect you from a currency move.
02 · First 90 days
How much cash should be ready before you book?
Separate cash-to-keys from the reserve that remains untouched. A deposit is not an emergency fund, and a credit-card limit is not liquidity.
Landing Fund: assumptions
Separate one-off expenses, refundable deposits, prepaid bills and accessible reserves. A deposit held by a landlord is not emergency cash.
Method, references and questions
Replace samples with written quotes. Calculations are browser-local planning illustrations, not approvals or tax returns. Annual amounts are spread over 12 months for affordability; check when the cash is actually due.
Are deposits expenses?
Not always, but they are still cash outflows. Treat them as unavailable until actually refunded.
Is this my visa funds requirement?
No. Each residence route has its own evidence, currency, validity period and household conditions.
03 · Job offer
Translate the offer into usable monthly margin.
Start with after-tax cash and subtract the costs you pay yourself. Employer-provided benefits are shown separately: useful, but not money in your account. This is not a tax calculator.
35% of take-home remains after personally paid recurring and annual costs. Benefits are not added to cash.
Offer Translator: assumptions
Compare usable take-home separately from benefits. Enter only guaranteed cash and count annual household bills once.
Method, references and questions
Replace samples with written quotes. Calculations are browser-local planning illustrations, not approvals or tax returns. Annual amounts are spread over 12 months for affordability; check when the cash is actually due.
Should I include a discretionary bonus?
Keep it separate from guaranteed monthly cash, then test a second scenario when the payment is confirmed.
Does total package determine UAE gratuity?
Not necessarily. The governing regime and basic wage matter; check the contract and applicable law.
04 · Currency
What does the “cheap” transfer actually cost?
Enter the USD amount leaving your account and the fee deducted before conversion. Both rates must quote destination-currency units per USD. A zero-fee transfer can still have a wide spread.
1.22% of the amount sent.
Transfer Comparison: assumptions
Compare the amount received after both the fee and FX spread. Use quotes for the same transfer size, date and receiving currency.
Method, references and questions
Replace samples with written quotes. Calculations are browser-local planning illustrations, not approvals or tax returns. Annual amounts are spread over 12 months for affordability; check when the cash is actually due.
Why can a zero-fee transfer cost more?
Its offered exchange rate can produce fewer destination units. Compare the net amount arriving.
Does a test transfer guarantee the large one will clear?
No. Amount, purpose and documentation can trigger separate checks.
05 · Transport
Lease versus buy: compare the exit, not the payment
A simple whole-period model. Enter all lease cash outflows and the net cost of owning after resale.
Lease AED 81,100 · Buy AED 52,000
Lease or Buy: assumptions
Compare your likely holding period, recurring running costs, resale and early-exit charges. Resale is an assumption, not guaranteed cash.
Method, references and questions
Replace samples with written quotes. Calculations are browser-local planning illustrations, not approvals or tax returns. Annual amounts are spread over 12 months for affordability; check when the cash is actually due.
Does the cheaper monthly payment mean the cheaper option?
No. Deposits, fees, resale assumptions and exit costs can change the total.
Is resale value guaranteed?
No. Run a lower-resale and earlier-exit scenario before relying on it.
06 · Property
UAE mortgage capacity screen
Regulatory ceilings are not an approval promise. Banks can recognize less income, require more evidence, or lend below the maximum.
UAE Mortgage Screen: assumptions
Regulatory ratios are ceilings, not lending approval. Foreign-income acceptance, fees, valuation and the bank’s debt assessment need written quotes.
Method, references and questions
Replace samples with written quotes. Calculations are browser-local planning illustrations, not approvals or tax returns. Annual amounts are spread over 12 months for affordability; check when the cash is actually due.
Does 80% LTV mean the bank will lend 80%?
No. It is a ceiling for the relevant category, subject to valuation, income and lender acceptance.
Is the modeled card commitment a law?
A lender’s card-limit assessment can be policy-specific. Confirm its treatment instead of assuming a universal percentage.
Change one assumption at a time, save the downside case, and take the result to the relevant lender, tax adviser, insurer or planner. None of these outputs determines eligibility or replaces regulated advice.
Client or company income: what reaches your household?
Use the household plan to separate business costs, taxes, owner pay and household spending. Every cost has a currency and period; unknown obligations keep the result incomplete.