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IndepAI API Docs

Calculate FI Timeline

POST
/api/v1/calculator
curl --request POST \
  --url https://indepai.app/api/v1/calculator \
  --header 'Content-Type: application/json' \
  --data '{ "currentAge": 32, "annualIncome": 72000, "annualExpenses": 36000, "currentSavings": 150000, "targetWithdrawalRate": 4, "expectedReturn": 7, "inflationRate": 2, "email": "user@example.com", "saveResult": true }'

Calculate your Financial Independence timeline based on income, expenses, and savings. This is a public endpoint that does not require authentication but has stricter rate limits.

Request Body

Section titled “Request Body”
Media typeapplication/json
object
currentAge
required

Current age in years

integer
>= 18 <= 100
Example
32
annualIncome
required

Annual gross income in base currency

number
Example
72000
annualExpenses
required

Annual expenses in base currency

number
> 0
Example
36000
currentSavings
required

Current total savings/investments in base currency

number
Example
150000
targetWithdrawalRate

Safe withdrawal rate percentage (default: 4%)

number
default: 4 >= 1 <= 10
Example
4
expectedReturn

Expected annual return percentage (default: 7%)

number
default: 7 >= -50 <= 50
Example
7
inflationRate

Expected annual inflation rate percentage (default: 2%)

number
default: 2 <= 30
Example
2
email

Optional email to associate with the calculation result

string format: email
Example
user@example.com
saveResult

Whether to save the result for analytics (default: true)

boolean
default: true
Example
true

Responses

Section titled “Responses”

200

Section titled “200”

FI calculation successful

Media typeapplication/json
object
success
required

Indicates successful calculation

boolean
data
required
object
fiNumber
required

Target FI amount (annual expenses × FI multiplier)

number
yearsToFI
required

Years until FI is reached

number
fiDate
required

Projected date of reaching FI

string format: date-time
fiAge
required

Age at which FI will be reached

integer
monthlySavings
required

Monthly savings amount

number
annualSavings
required

Annual savings amount

number
savingsRate
required

Current savings rate percentage (0-100)

number
<= 100
currentProgress
required

Current progress toward FI percentage (0-100)

number
<= 100
yearlyProjections
required

Year-by-year wealth projections

Array<object>
object
year
required

Year number (0 = current year)

integer
age
required

Age at this year

integer
netWorth
required

Projected net worth at end of year

number
totalContributions
required

Cumulative contributions

number
totalGains
required

Cumulative investment gains

number
progressPercent
required

Percentage progress toward FI Number

number
<= 100
fiReached
required

Whether FI has been reached this year

boolean
inputs
required

Input parameters used for calculation

object
age
required
number
annualIncome
required
number
annualExpenses
required
number
currentSavings
required
number
monthlyPassiveIncome
required
number
expectedReturn
required
number
inflationRate
required
number
fiMultiplier
required
number
meta
required
object
timestamp
required

Response timestamp

string format: date-time
version
required

API version

string
Example
{
  "success": true,
  "data": {
    "fiNumber": 900000,
    "yearsToFI": 12,
    "fiDate": "2036-01-15T00:00:00Z",
    "fiAge": 44,
    "monthlySavings": 3000,
    "annualSavings": 36000,
    "savingsRate": 50,
    "currentProgress": 16.7,
    "yearlyProjections": [
      {
        "year": 0,
        "age": 32,
        "netWorth": 150000,
        "totalContributions": 150000,
        "totalGains": 0,
        "progressPercent": 16.7,
        "fiReached": false
      }
    ]
  },
  "meta": {
    "version": "1.0"
  }
}

400

Section titled “400”

Validation error

Media typeapplication/json
object
success
required

Always false for error responses

boolean
error
required

Error type

string
code

Machine-readable error code

string
details

Detailed validation errors

Array<object>
object
path
required

Path to the invalid field

string
message
required

Error message

string
Example
{
  "success": false,
  "error": "Validation error",
  "code": "VALIDATION_ERROR",
  "details": [
    {
      "path": "currentAge",
      "message": "Must be between 18 and 100"
    }
  ]
}

429

Section titled “429”

Rate limit exceeded

Media typeapplication/json
object
success
required

Always false for error responses

boolean
error
required

Error type

string
code

Machine-readable error code

string
details

Detailed validation errors

Array<object>
object
path
required

Path to the invalid field

string
message
required

Error message

string
Example
{
  "success": false,
  "error": "Validation error",
  "code": "VALIDATION_ERROR",
  "details": [
    {
      "path": "currentAge",
      "message": "Must be between 18 and 100"
    }
  ]
}