Could your retirement
budget work overseas?
Test your own income, actual cost quotes and the cash you can keep accessible. See the assumptions before making a decision.
Starting values are illustrations—not typical pensions, verified Philippine prices or benefit eligibility. Enter only income available after deductions and tax provision. Use verified cost quotes. Calculator inputs stay in this browser and are not submitted with an inquiry. Use household totals; no per-person multiplier is applied.
Does your income cover the life you are planning?
Use net monthly amounts in USD. Do not enter expected benefits until they are actually available to you.
Your income
Your monthly spending
Entered income covers entered costs with this contingency.
Income = entered income streams. Plan = entered expenses × (1 + buffer). Margin = income − plan. A positive margin is not an affordability guarantee and excludes one-time commitments and future changes. Do not count a premium both as a pension deduction and as a separate cost.
Read military planning guidance →Test a less favorable exchange rate
Only the share you enter as PHP-exposed changes; fixed USD costs remain unchanged. No live exchange-rate data is used.
Stressed monthly spending $3,470
Stressed monthly margin $30
Stressed plan = plan × (1 − exposed share) + plan × exposed share ÷ (1 − rate decrease). This isolates exchange-rate sensitivity; inflation and income changes are excluded.
How does the scenario compare with your U.S. spending?
Compare complete household costs. Continuing U.S. obligations must already be included in the Philippines scenario above.
The entered Philippines scenario costs less than the U.S. spending input.
Difference = U.S. spending − Philippines plan. Recovery = nonrefundable setup costs ÷ positive monthly difference. Restricted deposits and property capital are not treated as setup expenses. This assumes costs remain fixed and does not predict savings or changed income.
What remains accessible after the move?
Use accessible cash only. Exclude retirement accounts, property capital or other funds you cannot use for this plan.
Remaining cash = accessible cash − setup costs − deposits. Target = monthly plan × chosen months. Runway assumes the full monthly plan is paid from remaining cash with no income; it is not a portfolio longevity forecast. Enter actual visa and rental deposit commitments—no eligibility or required deposit is calculated.