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See eight full sample reports first — browse the demos.
Choose the two positions you are weighing — a job, a contracting business, or both — and see the spread of outcomes across thousands of simulated futures.
Amounts in SEK.
Empty = 3% default.
0.1 = 10% of the year's salary.
0.5 = half the bonus paid into the pension instead of cash (tax-advantaged in se/dk/ie).
0.1 = 10% of the year's salary in company shares, valued at grant.
0.1 = 10% of the year's salary in stock options, valued at grant.
The unvested bonus is not part of net worth and is lost on job loss or a forfeiture draw.
0.2 = 20% yearly chance of losing the unvested bonus.
Employee risk
Empty = the tiered 4.5%/30% schedule.
Pension rights accrued before the simulation start; empty means 0. Used by the pension-aware retirement model.
Leave-day assumptions for this position; empty = the country's legal default.
Empty = the country's statutory default.
Leave empty for a purely domestic position. For a cross-border position set all five assignments together; the entity country is required for contractors.
Fraction of workdays physically worked in the work country; 1.0 = always there, 0.5 = below the 183-day treaty threshold.
Empty: derived from a salary (employer cost +30%).
0.3 = 30% of the invoice as wage cost; the rest stays in the company.
Contractor risk
Empty = simplified 3:12 default.
The window the tables and target odds read; the charts show the full simulated length and mark this horizon.
Leave empty to have it computed per position (real, today's money) — see the Retirement estimate submenu for the rule; the report shows each position's number.
The unit of the starting / target net worth amounts.
Empty fields use the model defaults; only changed values are applied.
Default 0.05.
Default 0.2.
Default 0.1.
Default 0.6.
Default 0.12.
Default 1.8.
Default 5.
Default 3.
legacy = frozen pre-2026 approximations; approximate = official inputs with simplified formulas; exact = the statutory scoped model. Both read the packaged rulesets of the selected tax year.
Income year of the tax rulesets used by every position. Empty = latest available year for each country; the resolved year is stamped on every report.
Default 35.
Default national-average.
Empty fields use the model defaults.
Used when the Target net worth field is empty: the plan solve takes the deterministic expected-value twin's retirement year and funds the phase at the expected real return minus the safety margin (the default preserve rule makes it the perpetuity value); the withdrawal-rate rule is the classic 12 x expenses / rate.
Plan solve only: percentage points subtracted from the expected real return before the target is computed (default 0.005 = 0.5%).
Yes (default): a path stops working once its real net worth reaches its target and lives off the wealth (plus the country's pension income where the rules ship). No: the simulation keeps everyone working and only reports the crossing.
What the phase must show at the planning age: the target restored (dips into principal are allowed on the way and reported), or simply no ruin.
Capital-sufficiency: wealth covers living expenses at the withdrawal rate (country-neutral). Pension-aware: the year the plan can stop working under each position's country pension rules (falls back to the capital rule, labelled, where a country has none yet).
Capital rule: living expenses / rate (default 3.5%); ignores public pensions.
Capital rule: how far ahead the estimate looks (default 40); the charts show the full simulated length and mark the Horizon field.
Pension mode: the age the plan must fund to (default 90).
The income-conversion table unit and the work-time assumptions behind the daily/hourly bases.
Default 260.
Country default (per position)
Default 8.
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Educational simulation, not financial advice. Each report spends one credit from your key and arrives as a one-time download link.