About IndepAI

Retirement should be a plan, not a distant guess

IndepAI shows how much you may need, when you could reach it and which decisions can move the date. Start with plain-language answers, then inspect every assumption behind them.

Our mission

We want more people to understand the distance between today and the point where work becomes optional. That means connecting income, spending, current investments and future contributions in one understandable timeline.

A useful plan must also make trade-offs visible. Saving more, spending differently, changing investment assumptions or moving to a lower-cost place can all affect the date. IndepAI makes those scenarios comparable instead of hiding them across separate spreadsheets.

A single retirement number is not enough

A calculator can multiply annual spending by 25 and stop. Real planning is harder: contributions change, markets fluctuate, inflation compounds, taxes matter and life rarely follows one fixed scenario. People need to see both the estimate and what drives it.

The date matters only when you can explain it

IndepAI keeps the target, timeline and assumptions together. You can see which input changed the result, compare alternatives and avoid mistaking a neat number for a guarantee.

Why we built this

We built our own retirement spreadsheets and kept running into the same wall: each tool answered one narrow question, but none connected the answer to an actionable plan. A target without a timeline was abstract; a timeline without scenarios was fragile.

So we built the instrument we wanted. IndepAI connects your retirement target, projected date and the decisions that influence both. Location remains available when it is relevant, but it sits beside savings, investments, withdrawals and risk—not above them.

How IndepAI works

Three connected pieces turn "when could I retire?" into a plan you can inspect and improve.

  1. 01

    Retirement readiness

    A plain-language view of your current position, retirement target and the estimated gap between them. FIRE terminology is explained, never assumed.

  2. 02

    A living timeline

    See an estimated retirement year based on your savings, contributions, spending, return and inflation assumptions. Change an input and the timeline updates.

  3. 03

    Comparable decisions

    Test contributions, spending, investment growth, withdrawals and cost of living in the same plan. Tax and residency details are risk flags to research, not advice.

What we stand for

IndepAI handles the most sensitive numbers you have. These principles decide how we build.

  • Privacy-first

    Your financial data is yours, full stop. We collect only what the tools need to run, and we never sell your information.

  • Built for GDPR rights

    Built for people worldwide with European data-protection standards baked in: clear consent, data access, and the right to be forgotten.

  • Show the math

    We expose our assumptions. You can see how targets and timelines are estimated, so you can understand the numbers, challenge them and change them.

  • Precision, not permission

    IndepAI is a decision engine, not a financial or tax advisor. We hand you the flags and the projections. The choices, and any professional advice you seek, stay yours.

Now find out your date

Estimate your retirement target and date, then test which realistic change could make the biggest difference. Free to start, with no card required.

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