r/RupeeStories · Free Tool

Where Should I Live?

A comprehensive NRI Life Calculator. Compare 11 locations on income, lifestyle equivalence, hidden costs, quality of life, risk, and wealth trajectory — weighted by your priorities.

Lifestyle Equivalence Engine Hidden Tax Module AQI & Convenience Scores Upgrade / Downgrade / Sideways FIRE Timeline India Remote Work RNOR Window Migration Sentiment Score
Archetypes:
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Income & Wealth

Your current financial snapshot

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₹1Cr ≈ $120k · £100k ≈ $125k · AED 600k ≈ $163k · SGD 200k ≈ $148k · AUD 200k ≈ $130k
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Liquid savings + investments. Exclude primary home equity and locked retirement accounts.
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What you actually save. Used to cross-check the model — if it differs significantly, a note will appear in results.
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To parents / family in India
Remote workers can keep high-income while living anywhere — this changes the comparison dramatically.
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Your Situation

Where you are and who you're planning for

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Target Lifestyle

What standard of living do you want in the new location?

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What Matters Most?

Weights shape your personalised country ranking

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Financial Assumptions

For FIRE and wealth trajectory

7%
S&P 500 historical ~7% real. Conservative: 5%.
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From US/Europe: $4-6k. UAE/SG: $2k. Already in India: $0.
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Select Locations to Compare

Pick 2–6. Your current location is always included.

For India Remote Work scenario: select India Metro or Tier 2 + enable it in Scenarios tab.

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Stress Test Scenarios

Optional. Shows how each location handles these life events.

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Lifestyle Equivalence Calculator

To match your current lifestyle in each location — here's the income required and whether you're above or below that threshold

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Monthly Financial Snapshot

Post-tax income, costs, savings, FIRE timeline, and direction vs today

FIRE = years to financial independence at 25× annual expenses · Savings rate compares take-home vs desired lifestyle cost

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Quality of Life Scores

6 dimensions that money doesn't fully capture — scored 1–10 per location

AQI score = inverted — lower pollution = higher score. Convenience = availability of domestic help, delivery, services. Sources: WHO AQI data, Numbeo Safety Index, EIU Healthcare Index.

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Hidden Cost Module

What standard calculators miss — the real annual cost of living in each country at your lifestyle tier

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Wealth Trajectory

Projected net worth over your time horizon in each location

Assumes current savings rate per location, investment returns, and no major life events. Remittances and India trips deducted from savings.

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Best Location For Each Goal

Among your selected locations

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NRI-Specific Flags

Critical considerations most comparison tools miss

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If You Choose Each Location — Know This

The paragraph that matters most for your decision

Built with 💛 for r/RupeeStories  ·  Not financial advice. All figures are estimates using simplified effective tax models. Consult a cross-border CPA for your specific situation.  ·  Cost data: Numbeo, Expatistan, Livingcost (2024–25). Tax rates: simplified effective rates. Salary benchmarks: Levels.fyi, Glassdoor.