Cost calculator
The number a brochure never adds up.
Every programme has a headline price. Almost none of them tell you what's actually gone for good versus what you might get back — or what the tax bill looks like over the years you're committing to. Pick a route below and see both, traced to source data.
Before you start
The question this answers: what do you actually lose?
A programme’s advertised price is rarely the full picture. Some of what you pay is gone the moment you pay it; some of it is locked up but still legally yours, subject to the programme’s own terms. This tool separates the two, then adds an honest tax estimate on top, so you can see the real cost of a route before you commit money to it.
Choose a programme, a planning horizon, and how you’d be taxed on the money involved.
Fees, capital, and any recurring requirement are totalled and divided into money that’s spent for good and money that’s merely locked up.
Tax is shown as the country’s statutory minimum-to-maximum range for the kind of money you enter — never a single predicted figure.
What this deliberately does not include, and why
- Legal and advisory fees, and relocation or setup costs
- Property purchase costs and transfer taxes
- Schooling, healthcare, insurance, and social security contributions
- Your home country's own tax rules — some keep taxing citizens no matter where they live
- Currency movement between now and when you actually pay, or exit costs if you later leave the programme
There is also no control for dependants. We don’t hold per-dependant fee or capital data for any programme, and a slider that looks like it’s adjusting the number while actually changing nothing would be worse than no slider at all. Inheritance tax, where shown, is a one-off worst case tied to the amount you enter — it is never added into the headline total, since it only applies if you die holding the asset.
Try one programme free below. Create an account to run the numbers on every programme in the database.
Create a free accountWhat your own spending looks like there
Everything above is what the route costs. This is the part that keeps costing after you arrive: enter what you spend each month now and where you spend it, and we re-price that same basket against the destination's cost index, then carry the difference across your planning horizon.
It compares indices rather than quoting a monthly cost — no source we hold can honestly give you one figure for “living there”, and we would rather show the comparison than invent the number.
Create a free accountDon’t take a life-changing move on someone else’s word.
Immimaps is not an agency and takes no placement fees. We show the real figures on every route, show the working, and tell you what it actually costs.
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