International Expat Modeler
Calculate net cash flow, dual-country tax obligations (Spain Beckham Law & US Worldwide Taxation), tax equalization policies, and 5-year wealth growth.
Evaluate net cash flow, tax relief (FEIE vs. FTC), special expat regimes, and 5-year wealth trajectory comparing your Stay (US Baseline) scenario against relocation to 17 destination countries.
Relocating to Spain yields higher net free cash flow
Cumulative difference over 5 years at 7% return
| Financial Metric | Stay (US Baseline) | Move (Spain) | Net Delta |
|---|---|---|---|
| Gross Earned Compensation | $280,000 | $268,500 | -$11,500 |
| └─ Primary Base Salary | $160,000 | $154,000 | -$6,000 |
| └─ Annual Bonus | $25,000 | $22,000 | -$3,000 |
| └─ Annual Equity Vesting | $30,000 | $27,500 | -$2,500 |
| └─ Spousal Earned Income | $65,000 | $65,000 | +$0 |
| Global Investment Income (Passive) | $15,000 | $15,000 | $0 |
| Corporate Subsidies & COLA | $0 | +$47,520 | +$47,520 |
| └─ Monthly COLA Stipend | $0 | $10,560 | +$10,560 |
| └─ Monthly Housing Allowance | $0 | $23,760 | +$23,760 |
| └─ Annual Tuition Stipend | $0 | $13,200 | +$13,200 |
| Total Household Gross Income | $295,000 | $331,020 | +$36,020 |
| Actual Total Taxes (Host + Home + SS) | $76,848 | $73,583 | -$3,265 |
| └─ Host Country Income Taxes | $0 | $53,645 | +$53,645 |
| └─ U.S. Federal Income Taxes | $48,335 | $4,685 | -$43,650 |
| └─ U.S. State Income Taxes | $14,000 | $0 | -$14,000 |
| └─ Social Security / FICA | $14,513 | $15,253 | +$740 |
| Employer Tax Policy Reimbursement | $0 | $0 | $0 |
| Net Take-Home Pay | $218,152 | $254,172 | +$36,020 |
| Local Living Expenses & Fixed Costs | $100,800 | $82,620 | -$18,180 |
| └─ Housing / Rent | $38,400 | $29,040 | -$9,360 |
| └─ Private School Tuition | $14,400 | $13,200 | -$1,200 |
| └─ Health Insurance | $6,000 | $5,940 | -$60 |
| └─ Discretionary Spending Baseline | $42,000 | $34,440 | -$7,560 |
| Total Liabilities & Debt (USD + Host) | $25,200 | $18,000 | -$7,200 |
| └─ Ongoing U.S. Liabilities | $18,000 | $18,000 | $0 |
| └─ Stay-Only U.S. Liabilities | $7,200 | $0 | -$7,200 |
| └─ Host-Currency Liabilities (Local) | $0 | $0 | +$0 |
| Annual Free Cash Flow | $92,152 | $153,552 | +$61,400 |
Bloggers & authors: Embed this interactive calculator directly in your articles or comparison guides. It loads dynamically via a responsive iframe (auto-resizing to prevent double scrollbars) and provides a direct, high-value tool for your audience.
<div class="giniloh-calculator-embed" data-calculator="expat-evaluator"></div>
<script src="https://giniloh.com/embed.js" async></script> Operator notes
Formulas
Annual Free Cash Flow Delta:
CF_delta = CF_move - CF_stay
Special Expat Tax Base:
T_host = Income_host * Rate_flat (if eligible)
US Tax Relief (FTC):
Tax_US_Net = Max(0, Tax_US_Gross - Credit_Host)
FAQ
Choose FEIE if you live in a low/no-tax country, earn under the exclusion limit ($126,500 for 2026), and want to lower your overall Adjusted Gross Income (AGI). Choose FTC if you live in a high-tax country, have significant passive income, want to make U.S. IRA contributions, or claim child tax credits. You can also combine both by claiming the FEIE on earned income up to the limit and using the FTC for passive income or earnings above the limit.
Special expat tax regimes allow qualifying foreign workers to pay reduced flat tax rates (e.g., 20%–24% in Spain or Portugal) or receive tax-free salary exemptions (e.g. 30% Ruling in the Netherlands) for up to 5–10 years. Under most of these regimes, foreign passive investment income remains 100% exempt from host taxes.
Tax Equalization ensures the expat pays the exact same net tax burden as if they stayed home (hypothetical tax deducted by employer, employer pays all host taxes). Tax Protection ensures the expat pays actual taxes but is reimbursed by the employer if host taxes exceed home taxes.
Under international Totalization Agreements, expats on temporary assignment (up to 5 years under the detached worker rule) remain covered by US FICA Social Security and are exempt from host country social security payroll contributions.
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