What's new.
Only the launches: a new tool, a new guide, a new corner of the site. Fixes and polish never make this list.
The Spare Key
One fallback for a sealed plan, priced before it's needed: the change you would actually make if the first years bite, what it hands back in money, and the condition you would recognise. Chosen by you, sealed with a review date, printable on one page. No ranking, no forecast, no monitoring.
The optional account
Sign in with a link by email, and the work you choose to keep follows you to another device. Everything here still works without one. Nothing is kept unless you pick it, and you can download or delete it whenever you like.
The Exit File
One working plan for the exit, kept as a file you own: the month it lands, the honest corridor around it from the ranges you enter, and the next checkable fact that could narrow it. Stored in your browser, sealed and downloaded as plain JSON.
How Europe taxes crypto
Every country's ordinary crypto rule for a private investor on one page: where a gain can be exempt, the conditions attached, and each row opening into the country's full detail.
Buy or Rent?
Put the same home on both sides and follow both lives to the sale: the cash, the mortgage, the invested difference, month by month. Purchase rules checked and dated for eight countries, region by region where the rules split; anywhere they don't reach, the tool says so and uses your number instead.
The Exit Rehearsal and When the Week Is Yours
A life-side experiment and manual for the transition out of work: plan one ordinary week, compare it honestly, then carry the question through the first year.
The Europe Atlas now follows the money you live on
I expanded all 34 country profiles beyond headline capital-gains rates. You can now compare investment sales, dividends, crypto, pensions and owner-company income, then open the arrival-year, property and cross-border detail behind each line.
The Six Roads
Working until the number lands is only one road out. This calculator prices the other five on your numbers: a real break, four days, work that covers the life, another country, stopping today. Four of them get a date beside today's road; the last shows the income the pot throws off, and the runway it buys.
The Pension Bridge
Retire decades before any pension and the pot has two jobs. A calculator for the years it carries alone, the smaller number after, and how much of the plan a far-off promise honestly carries. Plus the official place to check your pension, now linked from country pages across the atlas.
The Old Number, and the inflation guide
Prices moved while you saved. A calculator that restates the life you priced years ago in today's money, country by country on Europe's own data, and the guide to what inflation does to a plan.
Living off it
The operating manual for the day after the number: selling, the buffer, taxes, the bad-decade playbook. Plus the essay from inside its first test: I retired into a falling market.
The map
The whole site as one road: six stations from pricing the life to living it, one start-here pick at each, and the library reshelved to match.
The Domicile Tax, and the withholding guide
The quiet tax between your fund's dividends and you: a guide to withholding, and a calculator that prices your own leak.
The ETF library
The funds behind every plan on this site, each on its own page: cost, domicile, replication, and the head-to-heads.
The broker profiles
Each broker on the shelf gets a full page: what buying actually costs, who holds your cash, and the pair-by-pair comparisons.
The FIRE Exit opens
Day one: the calculators, the Europe atlas, the European FIRE guide, and a course that starts from zero.