I kept rebuilding the same spreadsheet to answer one question:

If I kept the same income, savings rate, and portfolio but lived somewhere else, how many years could that remove from my path to financial independence?

Most FIRE calculators treat location as fixed. Cost-of-living platforms compare cities, but they rarely show what those differences do to your actual FI timeline.

That is the problem I built IndepAI to explore. It combines personal financial inputs with data from more than 11,400 cities to estimate where someone could reach financial independence faster.

I kept rebuilding the same spreadsheet to answer one question:

If I kept the same income and savings rate but lived somewhere else, how many years could that remove from my path to financial independence?
I lived in Bali for a long time earning money from abroad to speed up my FIRE date and I tought that I can create a software to do it, motivate other people to take care about their retirement.

Most FIRE calculators treat your location and living costs as fixed. Cost-of-living platforms compare cities, but they rarely show what those differences do to your actual FI timeline.

That led me to build IndepAI, which compares more than 11,400 cities using your income, spending, savings, and net worth.