Check your guaranteed income against the D7 visa requirement, under the rules that actually apply now.
NHR ended, and a lot of what's out there — articles, forums, even other calculators — hasn't caught up. RetireFlexi models Portugal's current tax rules, converts everything to the currency you think in, and shows your guaranteed income floor as a single number, which is exactly what the D7 visa's minimum income test is asking for.
D7 Visa Income Check401(k) / IRAEUR / USDCurrent Tax RulesMonte Carlo
The D7 test comes down to one question: does your guaranteed passive income clear a minimum threshold? The Dashboard shows exactly that number, before anything drawn from investments.
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EUR and USD together
Model US accounts in dollars and Portugal-based spending in euros. Live exchange rates convert everything into one reporting currency.
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5,000-scenario stress test
Monte Carlo simulation shows the real probability your 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.
NHR Ended. Your Numbers Should Reflect What Replaced It.
A meaningful share of what's written about retiring in Portugal — including a lot of older calculators and comparison tools — still runs the math under the old Non-Habitual Resident regime. It's gone. Running your numbers under rules that no longer apply doesn't just give you the wrong figure, it can give you false confidence about the D7 visa's income bar.
Set Portugal as your Country of Tax Residence and RetireFlexi applies the tax bands actually in force now — not the NHR-era assumptions still floating around. The full Portugal guide covers the D7 visa requirements and the current tax math for US expats in detail.
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.
No login wall before you can see your results
No server-side storage of any financial figures you enter
Save via email is optional, and the contents are never read by RetireFlexi
Common questions before you start
Does this calculator check the D7 visa income requirement for me?
Not as a dedicated checkbox — but the D7 test is really just whether your guaranteed passive income clears a minimum threshold, which is exactly what the Dashboard shows: your guaranteed income floor from pensions and passive income, before anything drawn from investments.
Does this reflect Portugal's current tax rules, or the old NHR regime?
Current rules. NHR ended, and a lot of older content and calculators still assume it applies. Set Portugal as your Country of Tax Residence and the tax bands reflect what's actually in force now.
Does it convert between EUR and USD automatically?
Yes, using live exchange rates, converted into whichever reporting currency you choose.
Is my financial information private?
Completely. Everything you enter stays in your browser on your device — see the privacy section above for exactly how that works.
Is it actually free?
Free, with no paid tier at all and no account required to use it.
Check Your Numbers in About Five Minutes
Enter your accounts, set Portugal as your tax residence, and see your guaranteed income floor against the D7 requirement — free, and nothing you enter leaves your device.
Not financial advice. This calculator is a planning tool, not personalized tax or immigration advice. Visa requirements and tax rules change — verify the current D7 income threshold with the Portuguese consulate or an immigration attorney, and consult a qualified tax adviser familiar with both US and Portuguese law before making decisions.