Earn in one currency. Invest in another. Retire somewhere else entirely.
Inside My Wealth turns your cash flow, currencies, tax, goals and retirement into one clear, after tax picture, then a plan you can act on. Built for people whose money lives across Europe.
Built for money that doesn't stay in one place
Most planners assume one country and one currency. This one is for the in between. Pick the picture that fits, it pre fills your plan.
The output, before you enter a thing
This is a plan preview. Net worth path, a recommended mix, your independence number, and how it all holds up in hard times.
From your life today to a plan, in seven calm steps
We start with you, not with finance jargon. The numbers and the recommended mix come at the end, as a conclusion you can follow, never a wall of charts up front.
Not a number. A plan you can keep.
A personal report
Equity research style, written in plain language, yours to keep, print or revisit.
A ranked action list
A short list of what to do next, ordered by what moves the needle most for you.
A spreadsheet you keep
Every figure exported, so you can take your plan anywhere, or to your own adviser.
Free forever. Pro when it's worth it.
The planner stays free. Inside My Wealth Pro is for people whose situation is genuinely complex, and the advisers who help them.
The honest answers
See your whole financial life, beyond borders.
Get the cross border investor brief, occasional, practical notes on FX, tax and retiring abroad. No spam.
About you
Your answers never leave your device. You can save them as a file at the end.
Putting your plan together
Reading your situation
How we build your plan
Inside My Wealth is a calm, private way to understand your money. It follows the same approach a thoughtful planner would, in a clear order, and it shows its reasoning at every step. Nothing here is a sales pitch, and your information never leaves your device.
We start with you, not with markets
Most tools throw charts and portfolio jargon at you straight away. We do the opposite. We begin with your life: how you earn, how steady that income is, who depends on you, and where you live and may one day retire. Only once we understand your situation do we talk about how your money should be invested.
The order we follow
The ideas behind the numbers
These are the frameworks we rely on. Each one is widely used by professionals and supported by published research. We keep the maths simple on the surface, but the reasoning underneath is sound.
The safe withdrawal rate
Your independence number is the size of pot that lets you live off your investments. We work it out by taking the yearly spending you want later and dividing it by a safe withdrawal rate, the share of a portfolio you can draw each year with a strong chance it lasts. The well known guideline is about four percent a year, which traces back to work by William Bengen and the Trinity Study. Because reasonable people disagree on the exact figure, we use a sensible default and let you change it.
ASMPWhy the order of returns matters
Two people can earn the same average return over thirty years yet end up very differently, simply because of when the good and bad years arrive. A sharp fall early in retirement does more damage than the same fall later, since you are also drawing an income. This is why we keep money you need soon in safer holdings, and why the stress tests check a bad first year rather than only an average one.
INFRHow your money is shared out matters most
Research by Brinson, Hood and Beebower found that the split between broad types of asset, shares, bonds and cash, explains the large majority of how a portfolio behaves over time. Picking individual winners matters far less than getting that balance right. So we focus on a clear, low cost mix rather than on trying to beat the market.
STDSpreading risk through diversification
Holding many different investments smooths the ride, because they rarely all fall at once. A broad fund of global companies spreads your money across thousands of firms in dozens of countries, which lowers the chance that any single one hurts you. We build the growth part of your plan from broad funds for exactly this reason.
STDReal value and inflation
Prices rise over time, so a sum that feels comfortable today buys less in twenty years. We add expected inflation to the spending you want later, so your independence number reflects future prices, not today's. We also keep the everyday figures after tax, so what you see is closer to real take home money.
ASMPCurrency and exchange rates
If you earn in one currency but will spend in another, the exchange rate changes what your money is really worth. We price your independence target in the currency you will actually spend, and we add a gentle tilt towards that currency in the safer part of your plan, so a swing in exchange rates does less damage to the life you are planning.
INFRThe size of your safety net
Before investing for growth, a cash cushion protects you from life's surprises. The common standard is three to six months of essential spending, and more when your income is variable or people depend on you. We size yours from your own spending, work type and dependents, then show how much of it you have covered.
STDWhy your savings rate leads
Over a working life, how much of your income you keep matters more than small differences in investment return. Lifting the share you save brings independence closer and softens a weak run in markets. That is why the plan treats your monthly surplus and savings rate as the main levers you control.
INFRHow your money is invested
We match how your money is invested to two things: how long until you need it, and how much movement you are comfortable with. Money you need soon stays safe and easy to reach. Money for the distant future can take more risk to grow. Within the growth part, most sits in a broad mix of global companies, with a smaller tilt towards home to reduce currency risk for where you will spend. We build it from low cost funds, because fees compound against you just as returns compound for you.
How we handle uncertainty
No honest plan can promise the future, so we are clear about what each number is. Every meaningful figure carries a small tag.
Where good sources genuinely differ, we show a sensible default and let you change it, then recompute your plan instantly. You stay in control of every assumption.
The research we draw on
Our assumptions for long run returns, inflation and market behaviour are informed by published research and market outlooks, refreshed in 2026 and worth revisiting each year.
Inside My Wealth is independent. We are not affiliated with, endorsed by, or sponsored by these institutions. Their work informs our estimates, and the full list of figures and references appears on the Sources page. Country pension and tax figures are averages and should be confirmed for your own situation.
What this is, and is not
This is an educational tool that helps you think clearly. It is not financial, tax or legal advice, and it cannot see your full circumstances. The forward looking return and inflation figures are reasonable estimates that change over time, not promises. Please speak to a qualified, regulated adviser before making decisions.
Sources and reasoning
Every meaningful figure carries a small tag. STD means an established standard or fact. ASMP means a forward-looking estimate you can edit. INFR means a reasoned judgement where no single official source exists. Here is the basis for each, compiled in 2026 and worth re-checking yearly.
Where authoritative sources genuinely differ, such as the safe yearly withdrawal rate, we show a sensible default and let you change it. Country pension and tax figures are averages and should be confirmed for your own situation.