IndepAI
A financial-independence calculator that also compares the cost of living across 11,400+ cities, built for remote workers wondering where they could retire early by moving somewhere cheaper.
🔗 Visit IndepAI
Description
The classic "financial independence, retire early" (FIRE) math is straightforward in theory — save enough that your investments cover your expenses — but it changes completely depending on where you actually live, and most FIRE calculators don't account for that. IndepAI is built for people who could live anywhere, typically remote workers and digital nomads, and who want to see how moving to a cheaper city or country changes their timeline to financial independence, not just how much they need to save.
It offers the standard variants of FIRE math (Coast, Barista, Lean, Fat FIRE) plus a geo-arbitrage comparison across more than 11,400 cities factoring in cost of living, internet speed, safety, residency requirements and local tax rules, alongside a tax calculator, currency-risk calculator, portfolio-health analysis, and an AI coach for questions. The free tier is fully usable — the FI calculator, basic portfolio health checks, 10-city comparisons, and a few AI coach questions per month — while Pro at $9.99/month unlocks unlimited comparisons, unlimited CSV imports and unlimited AI coaching. It's already live rather than waitlist-only, and pricing is handled through Stripe.
💬 Our review
The short version: for a remote worker actually weighing "could I retire earlier if I moved to Portugal or Thailand," IndepAI's combination of FIRE math and a genuinely large city-comparison database (11,400+) does something spreadsheet templates and single-purpose FIRE calculators don't do well.
Against ProjectionLab or WalletBurst, which focus purely on FIRE number and portfolio projections without a geo-arbitrage angle, IndepAI's differentiator is the location layer — tax rules, visa requirements, and cost comparisons baked directly into the retirement math. Against Nomad List, which is built around city livability and community rather than financial planning, IndepAI leans the opposite way: financial modeling first, location data as an input to that model rather than the main product. The free tier's 10-city cap and 5 AI-coach questions a month are enough to seriously test the tool before paying; $9.99/month for Pro is inexpensive next to what a bad relocation decision could cost, but the platform is new enough that its long-term reliability (especially tax-data accuracy across many countries) hasn't been proven over years the way spreadsheet-based FIRE planning has.
💰 Pricing
📊 Global score
🤖 AI-enriched data
Gratuit : calculateur FI illimité, 10 villes en comparaison, 5 questions IA/mois, 3 imports CSV/mois. Pro 9,99$/mois ou 99$/an : comparaisons illimitées (jusqu'à 5 villes simultanées), coach IA illimité, imports illimités, multi-portefeuille. Garantie satisfait ou remboursé 14 jours.
Pros
Base de données de plus de 11 400 villes avec comparaison multi-critères (coût, fiscalité, visa, sécurité)
Suite complète de calculateurs FIRE (Coast, Barista, Lean, Fat)
Déjà pleinement lancé, pas de liste d'attente
Palier gratuit réellement utilisable, pas juste une démo limitée
Cons
Comparaisons limitées à 10 villes et 2 à la fois sur le plan gratuit
Coach IA plafonné à 5 questions/mois en gratuit
Plateforme récente, fiabilité à long terme des données fiscales/visa non encore éprouvée
Fonctionnalités communautaires encore en bêta