Southbound: Retire Early

Retire earlier. Somewhere warmer. Southbound answers the two questions every early-retirement dream comes down to: can I actually afford it, and when? Put in your real numbers — your age, your accounts, your Social Security estimate — and in five minutes you'll see the earliest year you can leave, and what your money actually buys in 28 countries. Then it shows you the strategy behind that year: the withdrawal order that keeps the IRS's share smallest, a Roth-conversion ladder sized to fill the 22% bracket before RMDs ever hit, and the Social Security claim age that leaves the most in your pocket. FREE TO START - The earliest year you can retire, down to the month - Cost of living in 28 countries, scaled to your household - Whether your brokerage bridges the gap until 59½ — a clear yes or no - A balances-by-account projection to your target age THE FULL PLAN — one payment of $24.99, yours forever - The Roth conversion ladder, year by year - Lifetime tax saved versus never converting - The complete year-by-year ledger to your final year - Income vs. budget, every source stacked against your real costs - A Social Security claim-age optimizer - Home- and lock-screen widgets: a countdown to freedom, your yearly Roth move, and your account balance targets PRIVATE BY DESIGN No account. No cloud. No analytics, no ad trackers. Your balances and your plan live only on your phone and are never sent to us — the app runs every calculation offline. The only thing that ever leaves your device is the name of a city you tap, sent to Wikipedia to load a photo. Works in English and Español. One payment. No subscription. Restores free on any device signed into your Apple Account. Southbound is an educational planning tool — not financial, tax, investment, immigration, or legal advice, and using it creates no advisory relationship. Projections are estimates that assume a steady annual return with no market crashes, fees, or changes in tax law, and cost-of-living figures are researched estimates, not quotes. Before acting on any plan, talk to a CPA or a fee-only fiduciary advisor who can see your whole picture.