Metoda
Jak szacowane są liczby i co zostało pominięte.
The payoff loop
For each month, for each debt: interest = balance × (APR ÷ 100 ÷ 12). Interest is added to the balance, then payments are applied. Every debt receives its minimum; any remaining monthly budget goes to the debt with the highest APR. The month a total balance reaches zero is the payoff month. The loop stops at 600 months.
Monthly budget at home = net income − living costs. Monthly budget abroad = income (kept, or scaled by the local income factor) − destination living costs. Nothing else changes. You can reproduce every number in a spreadsheet.
Where living costs come from
A static table of monthly rent and other living costs per country, adjusted by city tier and household size. Source: internal 2026 baseline, not live CPI. Figures in EUR; other currencies use fixed display rates.
- Norway1-bed capital €1550 · index 148
- Germany1-bed capital €1320 · index 118
- United Kingdom1-bed capital €1980 · index 128
- Netherlands1-bed capital €1780 · index 124
- Sweden1-bed capital €1290 · index 126
- United States1-bed capital €2100 · index 135
- Poland1-bed capital €780 · index 62
- Portugal1-bed capital €1150 · index 74
- Spain1-bed capital €1180 · index 79
- Lithuania1-bed capital €720 · index 66
- Latvia1-bed capital €650 · index 64
- Estonia1-bed capital €740 · index 70
- Czechia1-bed capital €860 · index 68
What is excluded
Tax residency, visas and permits, health insurance, double taxation, currency risk, inflation, income changes over time, mortgage transfer rules, school fees, and the cost of moving back. Buying property is informational only in v1. Every output is an estimate.
No model, no AI
The engine is arithmetic in your browser. No requests are made with your figures, no text is generated, and the sentences shown next to a result are fixed copy chosen by numeric thresholds.