Your personal path to an earlier retirement

Retire earlier. Know your number and date.

See how much you may need and which changes could move your date forward. Complete onboarding, then subscribe to Pro to reveal your personalized FI Score.

  • Pro launch offer: $2.50 first month with LAUNCH50, then $4.99/month.
  • Before you start: a free account is required to view the complete result. No card or bank connection. Your financial answers stay out of advertising events.

Retirement timeline calculator

When could work become optional?

Question 1 of 3

6 short questions · about 90 seconds

IndepAI

How it works

IndepAI is a retirement and financial-independence planner for people who want more control over when they stop working. It estimates how much you may need, shows a personal timeline, and lets you test how saving, spending, investing and cost of living could change it. You can also compare 11,400+ cities when location is one of the choices available to you.

  1. 01

    Answer a few questions

    Tell us your income, spending, and savings. It takes a few minutes, and no bank connection is required.

  2. 02

    See your number and timeline

    Get an estimate of how much you may need, when work could become optional, and how strong your current retirement progress is.

  3. 03

    Test ways to get there sooner

    Compare changes to saving, spending, investments and location, then update the plan as your life and assumptions change.

What you get

Find out when work could become optional

Complete onboarding, then subscribe to Pro to reveal your FI Score, compare cities and keep your plan in one place.

Retirement readiness

See your estimated retirement amount and how close your savings and investments are to supporting your spending. A clear 0–1000 Retirement Progress Score helps you track changes over time.

Portfolio tracker

Add your holdings, check diversification, and see how your net worth changes your Retirement Progress Score and estimated date.

AI coach

Ask questions about your own plan and explore trade-offs using your numbers. IndepAI provides planning estimates, not financial advice or guaranteed outcomes.

Free retirement planning tools

A personal plan to make work optional sooner

Use the public calculators before you subscribe. Your personalized FI Score, saved city matches and complete retirement plan unlock with Pro.

Start onboarding See all free tools

IndepAI

Find out when work could become optional

Complete onboarding, then subscribe to Pro to reveal your FI Score, compare cities and keep your plan in one place.

Start onboarding Pro launch offer: $2.50 first month with LAUNCH50, then $4.99/month.