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Tax, modelled where you live
The United States and United Kingdom are validated by our own worked cases. Canada, Germany, France, Italy, Spain, Portugal, the Netherlands and Switzerland are provisional: modelled, with some rules still being verified. Open a country to see the tax year and law it is encoded from, what the engine covers, what is still being verified and when MyCIO will refuse to give a figure.
CanadaProvisionalTax figures for Canada are provisional: tax in the year of death is still being verified.
What is encoded and what is not →
SwitzerlandProvisionalTax figures for Switzerland are provisional: tax on pension capital withdrawals and church tax are still being verified.
What is encoded and what is not →
GermanyProvisionalTax figures for Germany are provisional: joint taxation of couples and church tax are still being verified.
What is encoded and what is not →
SpainProvisionalTax figures for Spain are provisional: tax on selling property is still being verified.
What is encoded and what is not →
FranceProvisionalTax figures for France are provisional: prior gifts and succession allowances are still being verified.
What is encoded and what is not →
ItalyProvisionalTax figures for Italy are provisional: the pension tax credit is still being verified.
What is encoded and what is not →
NetherlandsProvisionalTax figures for the Netherlands are provisional: some tax rules are still being verified.
What is encoded and what is not →
PortugalProvisionalTax figures for Portugal are provisional: tax on long-held investments is still being verified.
What is encoded and what is not →
United KingdomValidatedValidated by our own worked cases. Figures are still estimates for planning, not tax-filing grade.
What is encoded and what is not →
United StatesValidatedValidated by our own worked cases. Figures are still estimates for planning, not tax-filing grade.
What is encoded and what is not →What the engine covers
The same six areas appear on every country page. A country name is not a promise that every household or transaction is covered.
Included: Compare stated income, retirement dates, spending and savings over time in supported plans.
Assumed: Future returns, inflation and spending are modeled assumptions, not predictions.
Not covered: A complete tax return, guaranteed investment outcomes or an assurance that a spending level is safe.
Included: Individual plans and household facts such as separate incomes, account owners and retirement dates.
Assumed: Couples need the applicable filing arrangement and ownership facts; two people are not automatically two equal earners.
Not covered: Blanket support for every couple, dependant or survivor situation; joint-income and death-related results need scenario-specific checks.
Included: Cash, taxable investments and supported named pension or tax-free accounts.
Assumed: Tax treatment depends on account type, owner, location, currency and acquisition cost.
Not covered: Every pension product, trust or foreign account; a balance alone does not establish withdrawal tax treatment.
Included: Property and held-asset inputs, their stated income and planned sales in supported scenarios.
Assumed: A property’s value is not cash available to spend; sale timing, costs and tax treatment matter.
Not covered: Universal home-sale relief, rental-business tax treatment or all equity-compensation arrangements.
Included: Supported repayment and interest-only mortgage cashflows, using stated balances, rates and terms.
Assumed: Borrowing comparisons depend on the entered rate, repayment schedule and refinancing assumptions.
Not covered: Lender approval, guaranteed refinancing, future borrowing rates or arranging a loan for you.
Included: Selected tax mechanisms for relocation, gifts and inheritance; availability depends on the exact situation.
Assumed: Residence, citizenship, beneficiaries, asset location and transaction dates can all change the answer.
Not covered: A complete cross-border or estate plan; death taxes, prior gifts and insurance have material scenario limits.
Figures are estimates for planning — computed, not advice. They are not tax-filing grade and not a substitute for a licensed adviser. Every country page lists what is encoded and what is not. Read the disclosures.