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.
Model net cash flow and 5-year wealth impact for relocation from the United States to 17 global expat destinations across Europe, the Americas, Asia, Oceania, and the Middle East.
| Financial Metric | Stay (US Baseline) | Move (Spain) | Net Delta |
|---|---|---|---|
| Gross Earned Compensation | $280,000 | $268,500 | -$11,500 |
| Global Investment Income (Passive) | $15,000 | $15,000 | $0 |
| Corporate Subsidies & COLA | $0 | $47,520 | +$47,520 |
| Total Household Gross Income | $295,000 | $331,020 | $36,020 |
| Actual Total Taxes (Host + Home + SS) | $76,848 | $73,583 | -$3,265 |
| Employer Tax Policy Reimbursement | $0 | +-$3,265 | +-$3,265 |
| Net Take-Home Pay | $218,152 | $254,172 | $36,020 |
| Local Living Expenses & Fixed Costs | $100,800 | $82,620 | -$18,180 |
| Total Debt Servicing & Liabilities (USD + Host) | $18,000 | $18,000 | $0 |
| Annual Free Cash Flow | $99,352 | $153,552 | +$54,200 |
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<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
Beckham Tax Base:
T_host = Income_host * 24% (if <= €600k)
US Tax Relief (FTC):
Tax_US_Net = Max(0, Tax_US_Gross - Credit_Host)
FAQ
The Beckham Law allows eligible expats moving to Spain to pay a flat 24% tax rate on Spanish employment income up to €600,000 for 6 years, while foreign-sourced capital gains and dividends remain 100% exempt.
US citizens are taxed on global income regardless of residency. The Foreign Earned Income Exclusion (FEIE) excludes up to $126,500 (2026 cap) of foreign salary, whereas the Foreign Tax Credit (FTC) gives dollar-for-dollar tax credits for Spanish taxes paid.
Tax Equalization ensures the expat pays the exact same net tax burden as if they stayed home. Tax Protection ensures the expat pays actual taxes but is reimbursed by the employer if host taxes exceed home taxes.
For assignments of 5 years or less (detached worker rule), expats remain covered by US FICA Social Security and are exempt from Spanish social security contributions.
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