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
- steden
- 11,400+steden
"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
Hoe IndepAI werkt
Probeer het: waar bereik je eerder onafhankelijkheid?
Vergelijk twee steden en zie hoeveel jaren de juiste je terugkoopt.
Geo-Arbitrage Calculator
Compare cost of living between two cities and see your potential savings
Wanneer bereik je FI?
Drie getallen. Eén direct antwoord.
~22 jaar tot FI
Bekijk je volledige prognose inclusief mijlpalen
Welk FIRE-type ben jij?
60 seconden. Geen aanmelding vereist om je resultaat te zien.
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.
Eén getal. Het hele spel.
FI Score, 0 tot 1000
Je hele onafhankelijkheidspositie in één getal. Zie hoe dichtbij je bent, kijk hoe het beweegt als je van stad wisselt, en ontdek precies wanneer je vrijheid bereikt. Niet 'ooit', een datum.
Geo-arbitrage-engine
Vergelijk steden wereldwijd op de ene hefboom die geen andere calculator scoort: waar je woont. Echte data over levenskosten, visa en nomade-infrastructuur laten zien waar hetzelfde geld jaren van je tijdlijn terugkoopt.
Een coach die het rekenwerk deed
Vraag alles over je financiën en krijg rechtstreekse, concrete antwoorden van een AI die je FI Score, je doelen en de geo-arbitragezetten op tafel al kent.
Steden geanalyseerd
Talen
Belastingstelsels
Landen
Bekijk de data
Actuele kosten van levensonderhoud voor 1.100+ steden. Een voorproefje.
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.
Claim je plek. Wees de eerste die zijn getal kent.
Wachtlijstleden krijgen 2 weken voor de publieke lancering toegang en een levenslange korting van 50% als founding member.
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