Two calculators and a readiness check
These tools help you compare costs and organize your thinking — they don't calculate tax owed or replace a professional review.
Conversion cost check
See what a quoted exchange rate and margin actually cost you when moving money between countries — useful once you're transferring funds as part of a relocation or foreign account setup.
Assumptions this uses
- You supply the quoted rate; this tool never fetches or estimates a live market rate
- The margin/spread percentage is entered by you, based on what your provider discloses or what you calculate against a published mid-market rate
- This does not include flat transfer fees some providers charge in addition to the spread
- This is not a tax calculation — it only measures the cost of the currency conversion itself
Limitations: This does not account for flat fees, receiving-bank charges, timing risk if the rate moves before settlement, or any tax consequences of the transfer itself.
Runs entirely in your browser.
The one-sentence test that keeps you on the legal side
Legal tax avoidance changes the facts — where you actually live, how income is actually structured — and then reports those facts honestly. Tax evasion keeps the facts the same and hides or misstates them. If a strategy depends on a tax authority never finding out something true, it is not planning, it is exposure. When in doubt, that question alone is worth taking to a professional.
Account or provider fee comparison
Compare the all-in annual cost of two account or provider options — useful when weighing a foreign bank account, a transfer provider, or a professional service against another.
Assumptions this uses
- Monthly fees are annualized by multiplying by 12
- Other annual fees are entered as a single combined figure you supply
- This does not include one-time setup or account-closure fees unless you add them to the 'other' field
- This is a cost comparison only — it does not evaluate service quality, regulatory status, or suitability
Limitations: This does not account for foreign transaction fees, currency conversion spreads, minimum balance requirements, or the tax and reporting consequences of holding an account with either option.
Runs entirely in your browser.
The Cross-Border Tax Planning Starter Guide
A plain-English worksheet covering the avoidance/evasion line, jurisdiction comparison, and reporting obligations — built to bring to a professional, not to replace one.
Get the free guide →Cross-border readiness checklist
A quick self-check before you take a jurisdiction question to a professional — not a qualification test, just an honesty check on how prepared you are.
Assumptions this uses
- This checklist reflects general readiness for a first conversation with a professional, not a legal or tax determination
- Each item is self-reported by you — nothing is verified or submitted anywhere
- Completing every item does not mean a strategy applies to you; it means you're prepared to ask better questions
Limitations: This does not evaluate your actual eligibility for any program, calculate any tax figure, or substitute for a professional review of your specific facts.
Runs entirely in your browser.
Partner link — we may be paid a fee at no cost to you. How we make money.
Talk to a qualified cross-border tax professional
Jurisdiction comparisons and residency tests are fact-specific. A licensed cross-border preparer can look at your actual situation before you make a move.
Request an introduction →