Runway: Retire Early Planner

Runway is the retirement planner built to cross a border. Planning to retire abroad? It models the exit tax on the way out, the destination's taxes on your withdrawals, your spending in local currency, and what happens to the pension you earned at home. Then it turns it all into one honest number: the age you could stop working. RETIRE ACROSS A BORDER Pick a destination and the plan redraws: - Unrealised gains meet the exit tax on the way out - Every withdrawal meets the destination's tax rules - Spending shifts into the local currency - Your home pension follows, with the source tax it carries Compare destinations side by side. A growing list of countries is modelled in depth; anywhere else, plan with your own estimate. And if you never move, the plan is just as sharp at home. ONE HONEST NUMBER Answer a few questions and Runway shows your freedom age, the age your money could carry you, and your freedom number, the pot that gets you there. Then watch your net worth grow, peak, and draw down year by year, with your freedom goal anchored to today. We will never paywall the answer to "when could I stop?" THE LEVERS THAT MOVE YOUR DATE Runway also shows how to get there sooner. The opportunity engine ranks the moves that matter and the years each one saves: - Invest a little more each month - Trim your spending a little - Work one more year - Overpay the mortgage Pull a lever, see the new date, keep the ones you like. KNOW IF YOUR PLAN HOLDS A seeded Monte Carlo runs your plan through hundreds of simulated market futures and scores how often your money lasts. Stress-test it in one tap: - A crash the year you retire - Higher inflation, or a weaker currency - A longer life than you planned for The scenario lab lines up what-if paths side by side. AS SIMPLE OR AS DEEP AS YOUR LIFE Adaptive onboarding asks only what fits you. A simple life takes a few taps; a fuller one supports per-account contributions, a partner's pensions, mortgage overpayment, rental income, inheritances, one-off costs, and spending that eases with age. No spreadsheets, no forty-field forms. BUILT FOR WHERE YOU LIVE Ten countries are modelled in depth, each with its own rules rather than a generic average: - Norway, Sweden, Germany, France, Italy and the Netherlands - The United States, the United Kingdom, Canada and Australia Each brings its own tax treatment of withdrawals, its own tax-advantaged account types, and its own state pension with everything your claiming age does to it. Anywhere else, plan with your own estimate. Every figure shows in the currencies you hold, with daily rates from the European Central Bank. WITH YOU EVERYWHERE - A home screen widget with your freedom age at a glance - A monthly check-in reminder, if you want one - Back up, restore, and export your whole plan as a file you keep FREE FOREVER, PRO IF YOU WANT MORE Free: your freedom age and number, the net worth chart, the base projection, every ranked lever, and a Monte Carlo read on your plan. No account, no expiry. Pro unlocks Runway's deeper planning and analysis, always showing exactly what is included before you subscribe. A yearly plan with a free trial, a monthly plan, or a one-time lifetime purchase. See prices in the app. ON YOUR PHONE. FULL STOP. No sign-in, no bank connections, no ads. Everything is computed on your device, and your numbers are never sent to us or anyone else. Runway is an educational planning tool, not financial, tax, or investment advice. Projections are estimates based on figures you enter and assumptions you can change, not promises. For decisions about your money, talk to a qualified professional. Terms of Use (EULA): https://runwayfire.com/terms Privacy Policy: https://runwayfire.com/privacy