Planning money that crosses a border
Most financial tools quietly assume you live in one country, earn in one currency and retire under one system. If that is not you, the arithmetic changes in ways that are easy to miss and expensive to get wrong.
A cross-border life is not one financial plan with a currency conversion bolted on. It is several plans that interact: each country has its own inflation, each currency its own path against the others, and each pension its own rules about what you will actually receive.
Three things that behave differently
Inflation is per country, not per person
What your money buys depends on where you spend it. Savings held in a country with faster price rises lose purchasing power faster, whatever the balance says. If you earn in one country and expect to retire in another, the rate that matters is the one where you will be spending — and that is a choice you may not have made yet.
A currency is a second engine
A foreign holding earns twice: what the asset does in its own currency, and what that currency does against yours. Those multiply, and the second one is invisible on a statement denominated in the first. Over decades it is not a rounding error.
A pension is a promise in somebody else's money
A pension accrued in one country is generally paid in that country's currency, under that country's indexation rules. Two people with identical contributions can end up with very different real incomes depending on where they retire.
What to do about it
Hold each part where it actually is, with its own country and its own currency, and let the arithmetic carry each one on its own path rather than averaging them into a single number. That is what Valnivo does: every account and every holding names a country, every country keeps its own inflation, and the projection discounts each into the money you will actually spend.
The honest limit is worth stating too. Valnivo models no tax anywhere, and tax is often the largest single difference between two countries. It also holds no cost-of-living or purchasing-power data, so it will convert a salary at a dated rate and show each country's inflation, but it will never tell you that a figure in one country "is worth" some other figure in another. That would be a comparison it cannot honestly make.
About Valnivo
Valnivo is a free financial planning tool that projects your income, spending and savings over 10, 20 and 30 years. It handles money held in several countries and currencies, and it is private by default.
It holds no money, connects to no bank and never asks for banking credentials. Every figure it shows is an illustration built on your own assumptions, not a forecast and not advice. Open the app.