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.
- Date FI
- 2032Date FI
- vs pairs
- −7 yrsvs pairs
- villes
- 11,400+villes
"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
Comment fonctionne IndepAI
Essayez : où atteignez-vous l'indépendance plus tôt ?
Comparez deux villes et voyez combien d'années la bonne en rachète.
Geo-Arbitrage Calculator
Compare cost of living between two cities and see your potential savings
Quand atteignez-vous l'IF ?
Trois chiffres. Une réponse instantanée.
~22 ans avant l'IF
Obtenez votre projection complète + jalons
Quel est votre profil FIRE ?
60 secondes. Aucune inscription pour voir votre résultat.
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.
Un seul chiffre. Toute la partie.
FI Score, de 0 à 1000
Toute votre position d'indépendance en un seul chiffre. Voyez à quel point vous êtes proche, regardez-le bouger quand vous changez de ville, et découvrez exactement quand vous atteignez la liberté. Pas « un jour », une date.
Moteur de géo-arbitrage
Comparez les villes du monde sur le seul levier qu'aucun autre calculateur ne mesure : l'endroit où vous vivez. Des données réelles de coût de la vie, de visa et d'infrastructure nomade montrent où le même argent rachète des années sur votre horizon.
Un coach qui a fait les calculs
Posez n'importe quelle question sur vos finances et obtenez des réponses nettes et précises d'une IA qui connaît déjà votre FI Score, vos objectifs et les coups de géo-arbitrage possibles.
Villes analysées
Langues
Régimes fiscaux
Pays
Aperçu des données
Coût de la vie réel pour 1 100+ villes. Un avant-goût.
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.
Réservez votre place. Soyez le premier à connaître votre chiffre.
Les membres de la liste d'attente obtiennent l'accès 2 semaines avant le lancement public et une remise de 50 % à vie en tant que membres fondateurs.
Pas de spam. Un seul e-mail au lancement. Désinscription en un clic.