Your journey home, calculated.
Eighteen free calculators to help you plan a deliberate, financially-sound return to your home country — built by someone walking the same path.
The journey
Five phases, one roadmap home
Return isn't a single decision — it's a sequence. Each phase builds on the last, and the calculators in each phase feed into the next.
Where am I now?
Understand your current financial position — savings rate, net worth, income streams, family obligations.
What will it cost?
Quantify the relocation budget, cost-of-living gap, salary equivalence, and emergency buffer needed.
When can I go?
Project your return date from savings rate, debt payoff schedule, and passive income runway.
What am I going back to?
Plan housing, land purchase, business capital, kids' education, and healthcare back home.
Should I go now?
The Stay or Go composite score pulls every calculator into a single readiness assessment.
All calculators
Eighteen tools, one coherent plan
Every calculator is free. Results stay in your browser (no account required). Premium features like cross-device sync and PDF export come later.
Savings Rate
What % of income are you really keeping?
Calculate your true savings rate by comparing gross income against all expenses — including the ones you forget.
Net Worth Snapshot
Assets minus liabilities — the honest number.
Get an honest snapshot of your current net worth across all currencies, including diaspora-specific assets like land back home.
Remittance Audit
How much have you sent home — and what's it worth today?
Audit your historical remittances and see what those transfers would be worth today if invested instead.
Dual-Currency Income
Your true combined income after fees and FX.
Combine foreign + home-country income streams and reveal the true take-home after remittance fees and FX spreads.
Extended Family Obligations
The 'black tax' — finally quantified.
Quantify recurring and one-time obligations to parents, siblings, and community — and project how they'll change after return.
Cost of Return
Flights, shipping, paperwork, setup.
Quantify the one-time costs of moving back — flights, shipping container, temporary housing, paperwork, and the surprise fees nobody warns you about.
Cost-of-Living Comparison
Your city vs. your target city — honestly.
Compare your current cost of living against your target African city across rent, food, transport, schooling, and healthcare.
Salary Equivalence
What salary back home = your foreign salary?
Find the home-country salary that matches your current purchasing power — accounting for FX, taxes, and cost-of-living differences.
Emergency Fund
Months of buffer — sized for your situation.
Calculate how many months of expenses you need in emergency buffer — typically longer for returnees facing less stable job markets.
Debt Payoff
Clear foreign debt before departure.
Plan your debt payoff schedule so foreign debts are cleared (or safely managed) before you return home.
Return Timeline
Given savings + target → return date.
The centerpiece calculator: project your target return date from your monthly savings rate and target nest egg.
Passive Income / FIRE
Capital needed to cover living costs.
Calculate how much invested capital you need so returns cover your living costs back home — the FIRE number for returnees.
Housing Budget
Rent vs. buy back home — affordably.
Determine what housing you can afford back home — rent vs. buy, mortgage pre-qualification, and neighborhood tier analysis.
Land Purchase
The true cost of buying land back home.
The sticker price is just the start. Add legal fees, registration, agent commission, and holding costs to see the true acquisition cost.
Business Startup Capital
What you really need to launch.
Plan startup capital for a business back home — covering legal setup, inventory, runway, and the underestimates that sink most diaspora ventures.
Kids' Education Fund
International vs. local school fees.
Plan for school fees back home — comparing international, private, and local options, with escalation over the years.
Healthcare Buffer
Medical emergency fund, sized correctly.
Size a healthcare buffer for medical emergencies back home — accounting for out-of-pocket costs, insurance gaps, and family dependents.
Stay or Go
Your return readiness score in 5 minutes.
The hero calculator. Eight dimensions, one composite score. Works for first-time visitors — and auto-feeds from calculators you've already filled.
The hero calculator
Stay or Go?
One 5-minute assessment. Eight dimensions. A single readiness score that pulls together every calculator you've filled — and tells you exactly what to focus on next.
Works for first-time visitors
No prerequisite calculators. Answer 24 quick questions and get your score immediately.
Auto-feeds from your data
Revisit anytime — dimensions you've already calculated auto-fill with verified badges.
Personalized recommendations
Get the top 3 things to focus on to move your score up, each linked to a specific calculator.
Weekly insights
The Return Weekly
One calculator. One tip. One story from a fellow diaspora returnee. Every Sunday. Free.
No spam. Unsubscribe anytime. We never sell your email.