Every FIRE calculator assumes you will retire in the city where you started. That assumption can cost you years.
IndepAI is now open to everyone.
We built it for remote workers, digital nomads, expats, and anyone whose financial plan crosses borders. You bring the income, spending, savings, and location choices. IndepAI turns them into one number, one city comparison, and one date you can actually name.
Know your number. Know your city. Know your date.
Start with your FI Score
Your FI Score is a 0-1000 measure of your position on the path to financial independence. It combines four factors that matter in real life:
- FI Progress
- Passive Income
- Savings Rate
- Geo Efficiency
Geo Efficiency is the part most calculators miss. The same portfolio can produce a very different timeline in London, Warsaw, Porto, or Chiang Mai. Your salary is only one lever. Your postcode is another.
You can calculate your public FI Score now. It uses the same scoring engine as the authenticated dashboard, requires no account, and writes no financial data to the database.
Move the city and watch the date move
Financial independence is not one universal portfolio target. It is the cost of the life you want, in the place where you plan to live.
IndepAI compares cities using cost of living, your FI trajectory, and the effect of relocation on your timeline. Instead of saying a move is “cheaper,” it shows the consequence in years.
That is the point of the product. “Someday” becomes 2031. “Somewhere cheaper” becomes Porto. A vague plan becomes a decision you can defend with numbers.
What is available today
The public launch includes:
- a personal FI Score with a clear 0-1000 result
- city-aware FIRE calculations and rankings
- tools for Coast FIRE, Barista FIRE, Lean FIRE, savings rate, portfolio health, and more
- a dashboard for tracking your plan over time
- multi-currency and cross-border planning built for people who do not retire in one country
The math is deterministic. AI adds context and guidance, but it does not replace the financial engine or invent your result.
Free and Pro
IndepAI has two plans:
- Free, for calculating your number and starting a financial independence plan
- Pro, at $9.99 per month or $99 per year, for deeper planning, tracking, and premium workflows
No legacy tiers. No spreadsheet required. No planner’s permission needed.
Your FIRE date is not someday
Create your free account, calculate your number, and see which city changes the timeline.
IndepAI is live. Now you know the number. The next move is yours.
Free account required
Your result is ready. Create an account to reveal it.
Register free to see the complete result, save scenarios, and keep every calculator in one FI plan.
Free account. No credit card.
