Design your
possible lives.
I'm , I've built , I save a month?, and I live in .
Every dot is a city, sized by what it would save you.
Every price on this map is calculated from
How you live decides what it costs.
These don't filter places — they re-price every one of them. Somebody out four nights a week needs a different number from somebody who cooks and hikes.
What do you want to work out?
Moving buys you time of your life back.
Hover any square to see the age it falls at. The green block is the part of your life that moving hands back to you.
34 places, ranked against you.
Every cost and ranking here is calculated from your numbers, not a generic list.
Why these 34 places
This is deliberately not a list of the cheapest places. They were chosen to span every continent and every price level, so you can feel the difference between a cheap-and-well-connected life, a safe European one, a tax-free one, and a genuine wildcard.
Every cost, target and ranking recalculates from your own numbers as you type them. Hover any filter chip below to see exactly what it tests.
Every place, every measure, side by side
Click any column heading to sort. The highlighted row is staying where you are — the baseline everything else is measured against.
Most tools ask where. This one asks in what order.
Stack your life in chapters and watch the order alone change your retirement date.
Why the order matters
Every other tool asks "where should I retire?" and gives you one answer, forever. Real lives have chapters — two years somewhere cheap while the money still needs to grow, then somewhere settled once it does not.
Chapters here are measured in months, not years. That is what lets you spend five months a year somewhere without ever becoming a taxpayer there by accident — and it is why reordering the same chapters moves your retirement date without you giving anything up.
Use short chapters plus repeats to model a genuinely seasonal life — five months here, four there, three back home, every year.
Tax, visa and residency consequences of this plan
Where you are, legally, each year
Which countries will actually have you?
What your passport is actually worth, and what it would cost to buy more.
Why this matters
Most people inherit a passport and never think about it again. It quietly determines where you can live, how long you can stay, what you pay in tax and what your children will be able to do.
Once money stops being the binding constraint, this becomes the tab that decides your options.
How many lives are open to you today
Where each one actually works
Buying residency or a second passport What every open programme actually costs, and which routes have closed 25 programmes
The map has been redrawn hard since 2022 — Spain, Ireland, the Netherlands and the UK all closed their investor routes, and Malta's citizenship programme was struck down by the EU Court of Justice in 2025. Figures are official programme minimums at the stated vintage; thresholds move without notice and due-diligence requirements are not modelled here.
If you change your mind, how hard is it to come home? Every destination scored on exit cost, lease norms and distance back 34 places
The real fear is rarely running out of money — it is burning your life down and not being able to rebuild it. Every destination is scored on how fast, how cheaply and how cleanly you could undo the decision.
Your plan, lived a thousand different ways.
Your exact plan, run a thousand times through a thousand different markets.
Why one average return is a lie
No market returns the same amount every year. It gives you −18%, then +31%, then −4% — and the order those arrive in matters enormously once you are spending the portfolio rather than filling it.
A single steady return hides that completely. Everything on this tab exists to show you the spread that one number conceals.
The year your money becomes enough
What playing it safe costs you in years
How much of your portfolio you draw each year decides both the size of the target and the odds it lasts. Click any row to adopt that strategy — every number in Odyssey re-computes.
The same plan, lived a thousand times
What would break this plan
Drag these and every figure on this tab moves with them. They are deliberately pessimistic — the point is to find the level at which your plan stops working, before the market finds it for you.
The points you hit long before the full number
Two places, every difference on one screen.
Pick any two. Green always means the better of the pair, for you specifically.
What gets compared
Every dimension on one screen: what each costs at your lifestyle, how well it matches what you said you want, how easily you get in on your passport, how stable it is, how easily you could leave, and how many years of working life each one hands back.
The verdict at the top counts only the measures where the two genuinely differ.
The parts of this that need other people.
The crowd features are not built yet. Here is the work you can do without them.
Why this page is deliberately half-empty
Three things here genuinely require other people: residents correcting the cost figures, people further down the same path, and professionals who have actually been used rather than merely advertised. None of them exist yet.
Rather than fill the gap with invented numbers, this tab does the work you can do alone — it audits what your plan is quietly betting on, and lists exactly what you must verify before you commit.
What your plan is quietly betting on
Every projection here rests on four assumptions you cannot control. This ranks them by how much your retirement date actually moves when each one goes against you — so you know which one to worry about, and which to stop worrying about.
What a crowd would add, and why it isn't here
What to verify, chapter by chapter
Generated from your actual plan, not a generic checklist. Each item names the figure this tool used, so you know exactly what you are checking it against.
Why there is nothing to opt out of
Every number, traced back to where it came from.
Every formula, every source, and a plain list of what this build does not do.
Why this tab exists
The fastest way to lose somebody’s trust in a money tool is a number they cannot trace. Everything below is here so you never have to take a figure on faith.
A concept demonstrator for financial-independence planning across multiple countries. One self-contained file. No account, no server, no tracking.
Costs, prices, stability scores, visa notes, tax thresholds and investment-migration terms are researched reference estimates compiled from published indices, statistical offices and official programme documents. They are not a live feed and do not update on their own — see Method › Sources.
Nothing here is financial, tax, immigration or legal advice. Visa and tax rules change constantly and depend on personal circumstances. Speak to a qualified professional in the relevant jurisdiction before acting.