The Financial Independence App
Plan for financial independence.
Not every coffee.
Indie Money asks for a few numbers once a month and tells you when work becomes optional. No receipts, no categories, no daily logging.
Most money apps
want every transaction, then show you a pie chart of where it went.
Financial independence
depends on four numbers: what you earn, what you keep, what it is invested in, and when that is enough.
Indie Money
asks for those, once a month, and nothing else.
How it works
One routine. The same every month.
- 1
Set up in two minutes
Cash, income, spending, investments, debts. Rough is fine: the first check-in corrects it.
- 2
Check in once a month
Confirm the balances, what came in, and where it went. Three screens, every figure already filled in.
- 3
Watch your FI date move
And the FI principles that would bring it closer: spend far less than you earn, carry no consumer debt, keep your home and car cheap.
What you see
Four numbers. One plan.
FI date
21 yrs 9 mo
when work becomes optional
FI number
$660 000
what invested it takes
Savings rate
37%
the share of income you keep
Net worth
$428 100
what you own, less debts
Read from six-month averages of finished months, so one good or bad week changes nothing.
Plan together
One plan for two. Your own income and spending, one household FI date, and each of you checks in your own share.
FAQ
Questions
The Financial Independence App
Two minutes to set up.
One check-in a month.
Free while we finish it. No ads, no account needed to start.
