Buy or Rent Internationally

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Interactive Financial Planning Tool

Retirement Scenario Modeler

Buy vs. Never-buy decision tool · Compare US and International paths

Starting Portfolio

$250K

Preset:

Compare All:

Portfolio & Purchase

Starting Portfolio ($)

Purchase Price ($) $250,000

Applied immediately at Year 0 — reduces portfolio by this amount. Set to 0 if not buying.

Annual Return % 6.0%

Property Appreciation % 2.0%

Horizon (Years)

Monthly Living Expenses

Initial Phase ($/mo)

Your monthly expenses going forward. If buying, enter your post-purchase cost (no rent, but include property taxes, insurance, HOA, maintenance). Excludes splurges and taxes (below).

Expense Transition Year

Year when a known expense steps down — mortgage payoff, kids becoming independent, caregiving ending, debt retired, etc. Set past the horizon if no transition is expected.

After Transition ($/mo)

Monthly expenses after the transition year. Set equal to Initial Phase if no change.

Income Sources

Note / Interest Income ($/mo)

Secondary Income ($/mo)

Ends at transition year

Social Security ($/mo)

SS Start (Year)

Annual Extras

Splurges $/yr

Tax Liability $/yr

Year 30 Portfolio

$—

at 6% return

Year 30 Property

$—

at 2% appreciation

Year 30 Total Wealth

$—

portfolio + property

Early W/D Rate

—%

safe limit ~4%

Portfolio Trajectory

Net of all expenses including splurges and taxes

All Scenarios Comparison

Year 30 total wealth at current settings

Scenario	Y30 Portfolio	Y30 Property	Y30 Total	Early WR	vs. Best

Period Breakdown — Current Scenario

Net portfolio draws by life phase

Period	Age	Monthly Spend	Monthly Income	Annual Draw	WR

Reading the Numbers

Adjust the inputs on the left or pick a preset above. The chart and tables update in real time. Toggle "Compare All" to see every scenario on the same chart.