TL;DR — Key Takeaways
- →Four inputs: origin country, destination country, move date, annual salary.
- →Day split is calculated automatically — you see exactly how many days belong to each country.
- →Treaty status is checked automatically and changes whether Scenario B is available.
- →Each scenario card includes a plain-English note explaining the assumptions behind the number.
- →The savings banner shows how much Scenario C beats Scenario A in dollar terms.
The Mid-Year Move Calculator models what happens to your tax bill when you relocate mid-year. Enter two countries, a move date, and your salary — and it shows three scenarios based on how each country handles split-year residency.
What you'll have by the end: a clear view of your expected tax liability across worst-case, treaty-optimized, and realistic scenarios for a specific relocation.
Prerequisites
You need your annual salary, origin country, destination country, and planned or actual move date. No prior keepmore.money data is required — this calculator works standalone.
Step 1 — Navigate to the Calculator
From the sidebar, click Mid-Year Move Calculator. You'll see a four-input form at the top of the page.
Mid-Year Move Calculator page with the four-input form at the top — From Country, To Country, Move Date, and Annual Salary all empty
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Step 2 — Select Your Origin Country
Click the From Country field. Type the name of the country you're leaving and select it from the autocomplete results.
From Country autocomplete dropdown open with search results visible and one option highlighted
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Step 3 — Select Your Destination Country
Click the To Country field. Type and select your destination country the same way.
To Country autocomplete showing results for a different country, with the From Country already filled in
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Step 4 — Enter Your Move Date and Salary
Enter the date you moved (or plan to move). This is the date the calculator uses to split the year — days before go to the origin country, days after to the destination. Enter your annual salary as a gross USD figure.
Date input field with a date entered and the salary field showing a formatted dollar amount
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Step 5 — Click Calculate
Click Calculate. The day split summary appears: exact days assigned to each country, treaty status, and a warning if no treaty exists between the pair.
Post-calculate summary showing days in each country and a treaty status badge — e.g., "Yes (credit)" or "None"
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Step 6 — Read the Three Scenario Cards
Three cards appear: Scenario A (Worst Case), Scenario B (Treaty Optimized), and Scenario C (Realistic). Each shows home country tax, destination country tax, total tax, net income, and effective rate. The recommended scenario is highlighted.
Three scenario cards side by side with the best option card highlighted by a green border and a star badge
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Step 7 — Read the Scenario Notes
Each card has a note explaining the logic in plain English: which country applied full-year taxation, which applied pro-rata, whether a US saving clause applies. Read these before drawing conclusions from the numbers.
Scenario note section on one card expanded to show the plain-English explanation of the split-year treatment applied
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Step 8 — Review the Savings Banner
A green savings banner above the cards shows how much the recommended scenario saves vs. the worst case — the dollar figure you're protecting with good planning.
Green savings banner above the scenario cards showing the dollar amount saved and which scenario is recommended
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What's Next
If you're a US citizen making this move, the FEIE / FTC Optimizer is the next logical tool — it helps decide which filing election to use given your destination country and income mix.