Portfolio projection
Retirement drawdown
Chart data will appear after calculation.
Retirement lifestyle simulator
Where could your retirement take you?
Project your retirement resources, compare lifestyle costs around the world, and explore locations that may fit the retirement scenario you are building.
- Canada-focused
- Global location comparison
- Adjustable assumptions
- Privacy-first
- Educational simulator
Results are estimates, not financial, tax, immigration, or relocation advice.
Build your scenario
A clearer retirement picture, one step at a time.
Your scenario inputs are calculated in your browser and are not saved by Pragy Investments.
Your retirement map is taking shape.
Projecting your scenario and comparing reviewed destination ranges.
Your retirement map
Potential locations under this scenario
These results combine financial sustainability, lifestyle preferences, practical considerations, and data confidence.
Retirement age what-if
What does working a little longer change?
Locations shown are those currently meeting moderate or stronger scenario criteria, not guarantees.
Explore the map
Reviewed destination comparisons
We do not currently have enough reviewed destination data matching those filters.
Current cost range
Expense breakdown
Scenario sensitivity
What could change the picture?
Markets, inflation, currencies, taxes, healthcare costs, and lifestyle expenses change. Stress-test the scenario before treating any location as realistic.
Retirement Anywhere is an educational scenario simulator. Results are estimates based on user-selected assumptions and third-party or curated data. They are not financial planning, investment advice, tax advice, legal advice, immigration advice, insurance advice, or a recommendation to relocate.
Transparent by design
How Retirement Anywhere works
- Projects savings to retirement using monthly contributions and selected return assumptions.
- Models retirement income and portfolio drawdown through the planning age.
- Estimates a sustainable monthly lifestyle budget under the selected assumptions.
- Converts reviewed destination cost ranges into CAD using dated Bank of Canada reference rates.
- Stress-tests expenses, foreign currency, and variable returns.
- Matches destinations to lifestyle preferences without claiming to measure happiness.
- Flags tax, residency, healthcare, safety, and data questions for independent review.
View full methodology
Financial score
Combines deterministic funding, modelled funding rate, monthly margin, ending reserve, expense stress, and FX stress. A score below 55 blocks a Strong Match label.
Lifestyle match
Normalizes destination attributes against preferences marked Nice to have or Very important.
Practicality
Uses healthcare context, language, connectivity, travel practicality, and data completeness as broad indicators.
Overall match
55% financial sustainability, 30% lifestyle match, and 15% practicality, with a hard financial gate.
Scenario funding rate
Uses a seeded normal-return simulation with the selected mean, volatility, inflation, fees, and planning age. It is a mathematical model, not real-life probability.
Data confidence
Reflects source coverage, freshness, and completeness. It does not measure personal suitability.
Questions to review
Retirement Anywhere FAQ
Is Retirement Anywhere financial advice?
No. It is an educational scenario calculator.
Does this guarantee I can retire in a country?
No. Results are estimates under selected assumptions and do not determine personal suitability.
Are taxes included?
Only a user-selected planning allowance is included in V1. Cross-border taxes can be complex.
Does moving abroad affect CPP or OAS?
Tax treatment may change, and OAS portability can depend on eligibility rules. Verify current Government of Canada rules.
Does a TFSA stay tax-free outside Canada?
Canadian treatment does not mean another country will recognize the account as tax-free.
How current is the cost data?
Each destination displays its review date, sources, FX date, and confidence level.
What does scenario funding rate mean?
It is the share of modelled paths remaining funded through the planning age under the selected mathematical assumptions.
Why can currency changes matter?
Canadian-dollar income or assets may buy more or less when a destination currency changes.
Is immigration eligibility included?
No. Summaries are educational; official immigration authorities determine eligibility.
Important limitations and disclosure
Retirement Anywhere is for financial education and market research only. Results depend on user assumptions and reviewed third-party or curated reference data. Actual market returns, sequence of returns, investment fees, inflation, exchange rates, taxes, government-benefit rules, healthcare access and costs, insurance, residency and immigration rules, lifestyle expenses, data quality, and longevity will differ.
The tool does not provide financial planning, investment advice, tax advice, legal advice, immigration advice, insurance advice, personalized recommendations, or a recommendation to relocate. Independently verify official rules, neighbourhood conditions, insurance availability, healthcare access, and current costs before relying on any scenario. Read full Pragy Investments disclosures.