Every FIRE calculator assumes you'll retire where you were born.
Yours won't.
IndepAI runs your numbers across 11,400+ livable cities and tells you exactly where and when independence arrives. Multi-currency, multi-tax, built for people whose life doesn't fit in one country.
- FI-Datum
- 2032FI-Datum
- vs. Peers
- −7 yrsvs. Peers
- Städte
- 11,400+Städte
"Finally an app that takes geo-arbitrage seriously instead of assuming I'll retire in my home country."
Early access tester · Portugal
🇪🇺EU-hosted · GDPR compliant · Your data stays yours
Wie IndepAI funktioniert
Probier's aus: Wo wirst du früher unabhängig?
Vergleiche zwei Städte und sieh, wie viele Jahre dir die richtige zurückkauft.
Geo-Arbitrage Calculator
Compare cost of living between two cities and see your potential savings
Wann erreichst du FI?
Drei Zahlen. Eine sofortige Antwort.
~22 Jahre bis zur FI
Hol dir deine vollständige Prognose + Meilensteine
Was ist dein FIRE-Typ?
60 Sekunden. Kein Konto nötig, um dein Ergebnis zu sehen.
What's Your FIRE Type?
Answer 5 quick questions to discover your ideal path to Financial Independence.
Spread the word
Help other digital nomads find their number.
Eine Zahl. Das ganze Spiel.
FI Score, 0 bis 1000
Deine gesamte Unabhängigkeits-Position in einer Zahl. Sieh, wie nah du bist, beobachte sie, wenn du die Stadt wechselst, und finde heraus, wann genau du frei bist. Nicht „irgendwann“, ein Datum.
Geo-Arbitrage-Engine
Vergleiche Städte weltweit anhand des einen Hebels, den kein anderer Rechner bewertet: wo du lebst. Echte Lebenshaltungskosten, Visa- und Nomaden-Infrastrukturdaten zeigen, wo dasselbe Geld dir Jahre von deinem Zeitplan zurückkauft.
Ein Coach, der die Mathematik gemacht hat
Frag alles über deine Finanzen und bekomme klare, konkrete Antworten von einer KI, die deinen FI Score, deine Ziele und die möglichen Geo-Arbitrage-Züge bereits kennt.
Analysierte Städte
Sprachen
Steuerregime
Länder
Wirf einen Blick auf die Daten
Echte Lebenshaltungskosten für 1.100+ Städte. Hier ein Vorgeschmack.
How the IndepAI FIRE calculator computes your FI Score
Your FI Score is a number out of 1,000, built from four weighted components. Here is what each one actually measures.
FI Progress
30%Compares your net worth to a target of 25 times your annual expenses, the same multiple most FIRE calculators use, on a curve that rewards early progress more than the last stretch.
Passive Income
30%Measures how much of your monthly expenses are already covered by dividends, rental income, or interest. Coverage caps out once it reaches 100%.
Savings Rate
20%Tracks the share of your income left after expenses. The score scales up to a 50% savings rate, then holds steady.
Geo Efficiency
20%Compares your cost of living to a global reference cost, so living somewhere cheaper than the median raises your score.
The four scores combine into your FI Score and a projected FI date. Move to a cheaper city or raise your savings rate, and both numbers move with you.
Frequently asked questions about financial independence and geo-arbitrage
What is FIRE? ▾
FIRE stands for Financial Independence, Retire Early. It means building enough invested assets that your passive income covers your living expenses, so continuing to work becomes optional rather than required.
How does geo-arbitrage change my FI date? ▾
Moving to a lower cost-of-living country stretches the same income further. Lower expenses mean a lower FI number and a higher savings rate, and both pull your FI date closer.
Where does the city cost data come from? ▾
City cost-of-living figures come from Numbeo's crowdsourced database, layered onto our own dataset of 11,400+ cities and refreshed on an ongoing basis.
Is IndepAI free? ▾
Yes. Your FI Score, city comparisons, and core tracking are free. A paid Pro tier adds deeper tax modeling and the AI coach, and waitlist members get 50% off Pro for life.
When does IndepAI launch? ▾
We have not set a public launch date yet. Waitlist members get access first, about two weeks before the public rollout, along with a founding-member discount.
What happens to my data? ▾
We collect only what is needed to calculate your FI Score and hold your waitlist spot. You can unsubscribe at any time.
Sicher dir deinen Platz. Sei zuerst dran, deine Zahl zu kennen.
Wartelisten-Mitglieder erhalten 2 Wochen vor dem öffentlichen Launch Zugang und lebenslang 50 % Gründerrabatt.
Kein Spam. Eine einzige E-Mail beim Launch. Abmeldung per Klick.