Features

For households with accounts, income or taxes in more than one country.

Net worth across currencies

View accounts, investments, and property in your chosen currency.

  • Historical values use exchange rates dated to the records, rather than today's rate.
  • Missing balances or exchange rates are flagged rather than treated as zero.

Cash flow

Project cash balances from planned income, expenses, and transfers.

  • Include recurring bills, credit card payments, taxes, and investments.
  • See when projected balances fall below your safety buffer. Results depend on the transactions you include.

Long-term projections

Compare scenarios for income, spending, property purchases, and retirement.

  • Test your plan against historical sequences of market returns, inflation, and exchange rates where available.
  • Taxes use the same models as the Tax page where supported, and your own assumptions for other countries. Unmodeled years and countries are listed as limits.
  • Results depend on your assumptions. Historical outcomes do not predict future returns.

Investment exposure

Break down portfolio holdings by region, currency, and asset category.

  • See concentrations across your holdings.
  • Price history comes from your own free Tiingo account and covers US listings. Holdings listed elsewhere, such as European UCITS ETFs, keep the prices you enter or sync.
  • Enter positions by hand, import them from a brokerage CSV file, or sync them from Interactive Brokers.
  • Projected dividends use the yield you enter or recent dividends from a supported sync. Accounts with neither are excluded and named.
  • These breakdowns describe exposure; they are not a complete measure of investment risk.

Exchange rates

Follow the currency pairs your plan uses, with rate history and survey-based assumptions.

  • History uses ECB daily reference rates when the pair is covered, then monthly Open Exchange Rates snapshots for broader coverage.
  • EUR/USD assumptions come from the ECB Survey of Professional Forecasters. They are survey medians and ranges, not predictions.
Data sources

Tax estimates — experimental

Explore limited estimates for France, US federal tax, and supported US states. US federal estimates include long-term capital gains; French investment-income tax is not modeled yet.

  • The coverage table below lists what each jurisdiction and year models and what it leaves out.
  • Long-term projections tax every year: later years reuse the latest rules shown, with brackets raised by inflation, and dividends and interest are re-taxed as your investments grow.
  • FBAR: track maximum yearly balances of foreign accounts at Treasury rates and record filing status.
  • For planning only, not tax advice or return preparation. Unsupported cases are identified.

Does your case fit?

Works well if

  • Years: 2025 and 2026. Some 2026 rules are a planning basis until final amounts are published (year notes in the coverage table).
  • US federal: wages and other ordinary income, long-term capital gains, Social Security, periodic 401(k) or IRA payments with a taxable amount you enter, and a simplified foreign tax credit.
  • France, as a resident: income on the progressive scale with household parts, US Social Security and US plan pensions under the treaty, and one move into or out of France in a year.
  • US states: California, Illinois, Michigan and Pennsylvania as a full-year resident, and the states without a broad income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming.

Not yet if

  • US federal: you are a non-citizen US resident (green card, substantial presence) or a nonresident alien; or you need the foreign earned income exclusion, NIIT, AMT, or rules for retirement-account withdrawals such as RMDs, rollovers and penalties.
  • France: your investment income depends on the flat tax versus progressive-scale choice or product-specific rules; you receive lump-sum, survivor, civil-service or third-country pensions; you move more than once in a year; or exit tax applies.
  • US states: you live in New York, New Jersey, Massachusetts or another state not listed; or you are part-year or nonresident in Pennsylvania, Michigan or Illinois. California handles one move to or from a state without income tax or another country only.
  • Elsewhere: no other country is modeled.

Results are planning estimates, not tax advice. The table below lists every rule each jurisdiction includes and leaves out.

Coverage by jurisdiction and year
Jurisdiction 20252026 Modeled Not modeled
US federal YesYes Ordinary income brackets; Standard or entered itemized deduction; Age-65 additional standard deduction and 2025-2028 senior deduction; Long-term capital-gain brackets; Social Security taxable portion; Explicit periodic qualified-plan and IRA taxable amounts; Simplified foreign tax credit, including the French tax of a year of arrival in or departure from France; French employer pensions of US citizens from an entered US taxable amount Non-qualified pensions and annuities; Retirement-account withdrawal qualification, basis, RMDs, rollovers, and penalties; Qualified versus ordinary dividend classification; Foreign earned income exclusion; NIIT; AMT; IRMAA; Detailed treaty optimization; Nonresident aliens and US tax residence of non-citizens (green card, substantial presence); Additional standard deduction for blindness; Sourced treaty treatment of AGIRC-ARRCO complementary pensions (treated as French social security, US-exempt for US citizens under Article 18(1); no treaty or IRS text names them)
France YesYes, with limits Resident ordinary-income scale; Household parts from declaration, dependent children and single-parent status; Quotient-familial cap and décote; Over-65 special deduction from household birth years; 2025 French pension deduction; France-US pension source-state treaty treatment for explicit periodic plans; Taux effectif on US Social Security and US plan pensions (Article 24 credit); Simplified France-US Article 24 treatment; Simplified CSM/PUMA; Year of arrival or departure: worldwide income of the French-residence period, full-year barème and household parts; French dividends paid while nonresident at the final 12.8% withholding Shared-custody, disability, veteran, widowed and other special half-parts; Special deduction for disabled taxpayers and for attached married children; Separate declarations for unmarried partners; Investment-income tax (PFU versus progressive-scale option and product-specific rules); Non-qualified, lump-sum, disability, survivor, railroad, civil-service, and third-country pensions; French pension social contributions; Retirement and investment-account withdrawal basis and qualification; More than one move, or a period without residence, in a tax year; Nonresident French-source tax other than dividends, interest and securities gains; CSM in a year of arrival or departure; Exit tax, and the flat base for a French home kept while nonresident (art. 164 C); Taux effectif on income other than US pensions; EEA social-levy reductions; Detailed treaty optimization; Sourced treaty treatment of AGIRC-ARRCO complementary pensions (treated as French social security under Article 18(1); no treaty or IRS text names them)
Alaska YesYes No broad state individual income tax —
California YesYes, with limits Ordinary-income schedule planning estimate; capital gains taxed as ordinary income; Standard or entered California itemized deduction; Behavioral Health Services Tax (1% above $1 million); Part-year residence: one move to or from a foreign country or a state without income tax (Form 540NR ratio method); US plan pensions (401(k), IRA) received after moving out, left out of California income Pension, retirement, and Social Security income, except US plan pensions received after moving out; Retirement-account withdrawal treatment; Tax credits (such as renter's, dependent and earned-income credits); Tax-table rounding below $100,000; High-income itemized-deduction limits; Alternative minimum tax; Full-year nonresidents, and moves to or from another income-tax state; California-source pay or property income received while not resident
Florida YesYes No broad state individual income tax —
Illinois YesYes, with limits 4.95% individual income tax; Exemptions per filer, per dependent claimed on the federal return and per filer aged 65+, with high-income phase-out; Federally taxed Social Security and explicit qualified-plan/IRA subtraction Blindness exemption; Filers who can be claimed as someone else's dependent; Tax credits (such as property-tax, education-expense and earned-income credits); Business and uncommon federal-AGI additions/subtractions; Unqualified or uncertain retirement income; Part-year and nonresident allocation
Michigan YesYes 4.25% individual income tax; Personal exemption per filer and per dependent claimed on the federal return City income taxes; Special and disabled-veteran exemptions; Filers who can be claimed as someone else's dependent; Senior investment-income subtractions; Retirement, pension, and Social Security subtractions; Retirement-account withdrawal treatment; Part-year and nonresident allocation
Nevada YesYes No broad state individual income tax —
New Hampshire YesYes No broad state individual income tax —
Pennsylvania YesYes Statewide 3.07% personal income tax on modeled taxable income Municipal earned-income tax; Tax-forgiveness credit; Income-class loss restrictions; Specific statutory deductions; Retirement, pension, and Social Security eligibility; Retirement-account withdrawal treatment; Part-year and nonresident allocation
South Dakota YesYes No broad state individual income tax —
Tennessee YesYes No broad state individual income tax —
Texas YesYes No broad state individual income tax —
Washington YesYes, with limits No broad state individual income tax; 2025 capital-gains tax for explicit realized marketable-security lots in taxable accounts 2026 capital-gains tax; Real estate and retirement-account gains; Business-interest, charitable, and other special deductions; Other-jurisdiction credit; Loss carryovers and gains without complete realized-lot basis
Wyoming YesYes No broad state individual income tax —

Not modeled: Arizona, Colorado, Connecticut, Georgia, Hawaii, Maryland, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Oregon, Virginia. Other countries and states are not modeled either.

Year notes
  • France 2026: The income-tax scale, quotient-familial cap, décote and over-65 deduction are a planning basis: the latest enacted amounts (2025 income) apply until the loi de finances pour 2027 sets the 2026-income ones. French pension income remains excluded because the income-year 2026 pension-deduction limits are not yet published. US-source pensions remain supported, except alongside other French-taxed income, which they set the rate for (taux effectif).
  • California 2026: Uses the published 2026 Form 540-ES worksheet basis: 2025 rates and standard deduction. Final 2026 return rules are not verified by this model.
  • Illinois 2026: Uses the official 2026 planning inputs: confirmed 4.95% rate and $2,925 personal exemption. Final-return form details are not yet available.
  • Washington 2026: Washington capital-gains tax is not modeled for 2026 until the indexed deduction and complete year rules are published and audited.

Terms: quotient familial divides French income tax by household parts; the décote reduces small French tax amounts; CSM/PUMA is a French health levy on capital income when earned income is low; Article 24 is the US–France treaty rule that relieves double taxation.

In every jurisdiction, capital losses and loss carryforwards, and product-specific regimes (PEA, assurance-vie, Livret A) are not modeled: mark such accounts as sheltered. Long-term projections reuse the 2026 rules for later years, with brackets and thresholds raised by inflation.

Official sources used by the tax models (44)

Storage and backup

Your planning records are stored in your browser, not on Flamaris's servers.

  • Flamaris cannot recover a plan you lose: keep a backup.
  • Signing in on another device does not copy your records.
  • Export a backup or configure encrypted Google Drive backup. Use Backup & restore to move a plan to another browser or device.

Current limits

What this preview does not do.

  • Designed for a desktop browser. Phones work for checking figures; editing a plan is easier on a larger screen.
  • English only.
  • No automatic bank aggregation: accounts sync through Lunch Money or Interactive Brokers, or are kept by hand.
  • Tax estimates cover only the jurisdictions and years in the coverage table, and each lists what it leaves out.
  • Your plan lives in one browser until you back it up or move it.
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