For Retirement Income That Doesn't Fit One Tax Code — Free
A 401(k), a SIPP, a Rentenversicherung, and a Social Security check all landing in the same year.
Most retirement calculators assume everything you own sits in one country under one set of tax bands. If your accounts are split across the US, UK, Germany, Australia, or anywhere else, that assumption breaks the moment you start entering numbers. RetireFlexi doesn't make it — 49 countries of account and state-pension data, converted into one reporting currency, with your own country of tax residence applied to the total.
49 CountriesLive FX RatesState PensionsForeign AccountsMonte Carlo
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49 countries of account data
US 401(k) and IRA, UK SIPP and ISA, Australian superannuation, Canadian RRSP, German statutory pension, and more — model any combination in one plan.
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One number, your currency
Live exchange rates convert every account and every pension into whichever currency you actually think in — no manual conversion, no separate spreadsheet.
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5,000-scenario stress test
Monte Carlo simulation shows the real probability your combined income and portfolio hold up — not a single best-guess line on a chart.
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Nothing to sign up for
No account, no email required to see your numbers. Your financial data never leaves your browser.
What This Doesn't Pretend to Do
Three things, on purpose, rather than quietly getting them wrong.
It doesn't file FBAR or FATCA for you. If you hold foreign accounts totalling more than $10,000 at any point in the year, you likely owe an FBAR (FinCEN Form 114). Foreign assets above $200,000 (single) or $400,000 (married), valued at year-end while living abroad, may also trigger Form 8938 under FATCA. Those are real US filing obligations with real penalties — this calculator models the income and balances behind them, it doesn't submit anything to the IRS or FinCEN. The full FBAR, FATCA, and FEIE guide covers thresholds, forms, and penalties in detail.
It doesn't force Required Minimum Distributions. A US 401(k) or Traditional IRA keeps compounding in the projection past age 73 or 75, exactly as if the IRS had no opinion on the matter. For most tax-deferred balances that's a fine simplification; for a large balance left untouched because a foreign pension already covers your spending, it can overstate what's still growing tax-deferred in your late 70s. The RMD rules guide covers the age table and how to approximate the effect using a Lump Sum entry today.
It also doesn't model bilateral tax treaty allocation — which country gets to tax a specific pension depends on the treaty, the pension type, and your residency, and that logic is genuinely too specific to generalize. Set your actual Country of Tax Residence and treat the output as a planning estimate. For the filing position itself, that's a conversation with a cross-border tax adviser, not a free calculator.
Free, With No Trial Clock Running
No credit card at signup, because there's no signup. No 14-day trial that quietly becomes a subscription. No results locked behind a paywall after you've already entered your numbers. RetireFlexi is free because it started as a personal project — the founder needed exactly this and built it for himself first.
No Account, No Data on a Server
Everything you enter — account balances, pension estimates, income targets — stays in your browser on your device. There's no RetireFlexi database of retirement plans, so there's nothing to breach. If you save a plan, it's emailed to your own inbox as an attachment; RetireFlexi never reads or stores what's in it.
Common questions before you start
Does this calculator handle FBAR and FATCA reporting?
No — those are US filing obligations (FinCEN Form 114 and Form 8938), not something a retirement calculator files for you. What it does: model the actual income and account balances those filings are based on, in one place, so you're working from real numbers instead of scattered spreadsheets.
Does it know which country taxes which pension?
It applies the tax bands of a single country you designate as your tax residence — it doesn't model bilateral tax treaty allocation rules, which are genuinely complex and vary by treaty and income type. Set your actual country of residence and treat the result as a planning estimate, not a filing position.
Can I model accounts from more than two countries?
Yes. State pension and account-type data covers 49 countries, and there's no limit on how many you add — US 401(k) alongside a UK SIPP alongside Australian superannuation alongside a German Rentenversicherung, all in one plan.
Is my financial information private?
Completely. Everything you enter stays in your browser on your device — nothing is sent to a server.
Is it actually free?
Free, with no paid tier at all and no account required to use it.
Put Every Account in One Place in About Five Minutes
Enter accounts and pensions from as many countries as you actually have — free, and nothing you enter leaves your device.
Not financial advice. This calculator is a planning tool, not personalized tax advice, and does not prepare or file FBAR, FATCA, or any tax return. Cross-border tax treaty rules are complex and specific to your situation — consult a qualified tax adviser familiar with the countries involved before making decisions.