Twelve exits, worked.
None of these twelve people exist. Their arithmetic does — every number in this library comes out of my own tools at the same modest settings, and every link carries it there so you can pull the levers yourself.
Marta, 34 — Berlin
A developer who thinks the exit is for other people.
€2,400/mo · €120k invested · 16 yrs 4 mo to €864k
Tomás & Ana, 41 and 39 — Rotterdam
A couple who did everything right, in a country that taxes the pot itself.
€3,400/mo · €400k invested · 15 yrs to €1.2M
Elena, 45 — Madrid
A consultant who started late and saves like it.
€2,800/mo · €350k invested · 8 yrs 11 mo to €1M
Jonas & Priya, 36 and 34 — Berlin
Two developer salaries, one question they keep postponing.
€4,200/mo · €380k invested · 13 yrs 4 mo to €1.5M
Carmen, 45 — Madrid
A teacher with a small pot, a cheap life, and a head start she doesn't see.
€1,600/mo · €190k invested · 14 yrs 11 mo to €576k
Daniel, 38 — London
A contractor whose money is ready years before his passport is.
€3,800/mo · €450k invested · 10 yrs 2 mo to €1.4M
Viktor, 31 — somewhere on the road
A lean solo cyclist who already left, and wants to know if he can stay gone.
€1,100/mo · €400k invested · already past the number
Søren, 40 — Copenhagen
An engineer whose ground is expensive in more ways than one.
€3,400/mo · €520k invested · 10 yrs 4 mo to €1.2M
Lukas, 44 — Zurich
A founder who sold, and kept showing up anyway.
€5,000/mo · €2.5M invested · already past the number
Ingrid, 52 — Vienna
A late starter who thinks she missed the whole thing.
€2,000/mo · €90k invested · 16 yrs 1 mo to €720k
Arjun, 33 — Munich
An engineer whose exit plan and citizenship clock are pulling in opposite directions.
€2,600/mo · €210k invested · 12 yrs 2 mo to €936k
Sofia, 47 — Lisbon
Eighteen months out, fully funded, quietly lost.
€2,800/mo · €1.1M invested · already past the number
Twelve people, twelve different traps — the years that feel far, the tax that isn't on the price tag, the door that needs a visa, the year nobody needs. The machinery is the same for all of them. And for you.
Now price your own.
Start where all twelve started: what does the life you actually want cost, per month?
Everyone here runs at a deliberately modest 5% real return (after inflation) and a ×30 number — the calculators default to showing you more of the range; drag the sliders yourself. The people are invented, the arithmetic is real, and none of it is advice.
Bring me a challenge.
The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.