Free retirement planning tools

See how soon you could retire

Turn your income, spending, savings and investments into a clear target, timeline and next move.

Calculate my retirement date
13
free calculators
1
saved retirement plan
After-tax
withdrawal simulator included

Start with the decision in front of you

You do not need to learn financial jargon. Choose the question you want answered and we will show the relevant numbers.

When can I retire?

Estimate the portfolio you may need, the year you could reach it and the gap between today and your target.

 Are my savings and investments enough?

Test your savings rate, compounding, allocation and withdrawal assumptions against the plan.

 Would a different cost of living move the date?

Optionally compare spending, taxes and currency across 11,400+ cities after your core retirement plan is clear.

When could work become optional?

Find your retirement date

Estimate how much you may need and compare different ways of reaching it.

Abstract neural planning texture from the IndepAI brand system

Retirement Calculator

Estimate your target and retirement date

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Early Retirement Path Quiz

Find the strategy that fits your life

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Coast FIRE Calculator

Calculate your Coast FIRE number

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Barista FIRE Calculator

Calculate your Barista FIRE number

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Lean FIRE Calculator

Calculate your Lean FIRE number

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Fat FIRE Calculator

Calculate your Fat FIRE number

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Withdrawal Simulator

Simulate after-tax withdrawals in retirement

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How the estimate works

Three numbers turn retirement from a wish into a plan

IndepAI connects the target, the timeline and the decisions you can control. Change one assumption and immediately see how the estimated retirement date responds.

Results are educational estimates, not financial advice or a guarantee. Returns, inflation, taxes and spending can change the outcome.

  1. Your retirement target

    An estimated portfolio size based on your planned annual spending and a sustainable withdrawal-rate assumption.

  2. Your estimated retirement year

    A projection based on what you have today, how much you add, and the return and inflation assumptions you choose.

  3. The changes that move the date

    Compare higher contributions, different spending, investment growth and cost of living without rebuilding a spreadsheet.

Calculator questions

Are IndepAI's retirement calculators free?

Public calculator estimates are free. Your personalized FI Score and complete city-aware plan require a Pro subscription. Use LAUNCH50 for a $2.50 first month, then $4.99/month.

Which retirement calculator should I use first?

Start with the retirement target calculator to estimate how much you may need and when you could reach it. Then test savings, investment growth, withdrawals and cost of living.

Do these tools work outside the United States?

Yes. IndepAI supports multiple currencies, international cost-of-living comparisons and European tax context. Assumptions are shown so you can judge whether they fit your country.