The reality-check tools

The hero

Four short steps about your situation → a ranked map of which documented failure modes you are most exposed to, each linked to the piece that quantifies it. The dark stats, about you.

The model, interactive

A by-city projection that includes the curve no cost-of-living calculator does: healthcare escalation by age, the insurance step at 70 and 75, the long-term-care tail, under an FX-decline scenario. Finds the year your margin reaches zero.

The freeze, made visible

Drag your own pension, the exchange rate and local inflation and watch a frozen income diverge from an uprated one in real terms — the purchasing-power gap the freeze opens against the pensioner who moved somewhere that still uprates.

Clear the gate — and count what it costs to

Check whether you clear the Thai retirement-extension or Philippine SRRV financial floor — then see the part no relocation guide prices: what the locked deposit loses to local inflation, and earns less than, while it sits idle for years.

The covered part, the paid part, and whether the chair is even there

Model what PhilHealth actually absorbs for a dialysis year, a stroke or a bypass, the out-of-pocket gap against a private bill — and the capacity behind it: how few facilities exist and how many of the 1,642 municipalities have none.

The dark-honest one

A non-judgmental, multi-year cost estimate of the expat financial bleed the dream content never prices — answered a few private questions at a time — and how many years it pulls your "margin reaches zero" date forward. It states the cost and stops.