Calculator
Type your income, costs and balances. We estimate how much faster you reach zero if living costs drop — and we say what the model ignores.
Your estimate — Norway → Poland
The freed cash makes a clear difference to your payoff date.
Debt-free at home42 months
Debt-free after the move10 months
Monthly surplus now€440
Monthly surplus there€1,900
Extra cash freed per month€1,800
Move cost paid back in3 months
Balance over five years
Year 1
Home
€17,345
Abroad
€0
Year 2
Home
€10,961
Abroad
€0
Year 3
Home
€3,743
Abroad
€0
Year 4
Home
€0
Abroad
€0
Year 5
Home
€0
Abroad
€0
Inputs used
- Norway — Rent
- €1,550
- Poland — Rent
- €780
- Norway — Other living costs
- €1,250
- Poland — Other living costs
- €560
Your debts do not disappear when you change country. This model only changes the cash you can send them.
Tax residency, visa rules, health insurance and double taxation are not modelled in v1. Read the method