Free planning tools
Compare FI numbers, taxes, cities, and portfolio risks before you commit.
The fastest path is not another spreadsheet. Pick the decision, then use the calculator built for it.
Start with income, expenses, net worth, and withdrawal rate. Leave with a target and timeline.
I am choosing a country or cityCompare cost, tax, and currency risk across 11,400+ cities before a move changes your plan.
I am already savingCheck whether savings rate, compounding, and allocation are pushing the plan forward.
What number gets me free?
Find your number and the fastest path to it.
Calculate your path to financial freedom
Discover your ideal FIRE path
Calculate your Coast FIRE number
Calculate your Barista FIRE number
Calculate your Lean FIRE number
Calculate your Fat FIRE number
Simulate after-tax withdrawals in retirement
Where does the math improve?
Compare taxes and cost of living across borders.
Is the portfolio doing enough?
Track savings rate, compounding, and portfolio health.
Yes. The FI number calculator, geo-arbitrage comparison, FIRE type quiz, tax calculator, currency-risk calculator, withdrawal simulator, investment growth calculator, savings-rate calculator, and portfolio health analyzer are free to use with no signup required.
Start with the FI calculator to estimate your financial independence number, then use geo-arbitrage to compare how 11,400+ cities can change your cost base and FIRE timeline.
Yes. IndepAI includes multi-currency, geo-arbitrage, city cost, and European tax context, so the tools are useful for expats, remote workers, and full-time nomads.
After the calculator
Your calculators stay free. A free account saves the numbers you just tested, connects them into one FI timeline, and shows what to adjust next.
