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IndepAI API Docs

Quick Start

This guide will help you make your first API calls to IndepAI in just a few minutes.

Prerequisites

Section titled “Prerequisites”
  • Basic understanding of REST APIs
  • A tool for making HTTP requests (curl, Postman, or your favorite HTTP client)

Step 1: Calculate Your FI Timeline

Section titled “Step 1: Calculate Your FI Timeline”

The FI Calculator is a public endpoint that doesn’t require authentication. Let’s calculate when you’ll reach financial independence:

Terminal window
curl -X POST https://indepai.app/api/v1/calculator \
  -H "Content-Type: application/json" \
  -d '{
    "currentAge": 32,
    "annualIncome": 72000,
    "annualExpenses": 36000,
    "currentSavings": 150000,
    "expectedReturn": 7,
    "inflationRate": 2,
    "targetWithdrawalRate": 4
  }'

Response:

{
  "success": true,
  "data": {
    "fiNumber": 900000,
    "yearsToFI": 12,
    "fiAge": 44,
    "savingsRate": 50,
    "monthlySavings": 3000,
    "annualSavings": 36000,
    "currentProgress": 16.7,
    "yearlyProjections": [
      { "year": 0, "age": 32, "netWorth": 150000, "progressPercent": 16.7 },
      { "year": 1, "age": 33, "netWorth": 197250, "progressPercent": 21.9 }
      // ... more years
    ]
  },
  "meta": {
    "timestamp": "2024-01-15T10:30:00Z",
    "version": "1.0"
  }
}

Understanding the Results:

  • fiNumber: €900,000 - This is your target (25× annual expenses)
  • yearsToFI: 12 years until you reach FI
  • fiAge: You’ll be 44 when you reach FI
  • savingsRate: 50% of your income goes to savings
  • yearlyProjections: Year-by-year breakdown of your wealth accumulation

Step 2: Check Portfolio Health

Section titled “Step 2: Check Portfolio Health”

Analyze a portfolio’s health score:

Terminal window
curl -X POST https://indepai.app/api/v1/portfolio-health \
  -H "Content-Type: application/json" \
  -d '{
    "assets": [
      { "type": "etf", "value": 100000, "expenseRatio": 0.07, "region": "Global" },
      { "type": "etf", "value": 30000, "expenseRatio": 0.12, "region": "US" },
      { "type": "bond", "value": 20000, "region": "Europe" },
      { "type": "cash", "value": 10000 }
    ],
    "userAge": 32
  }'

Response:

{
  "success": true,
  "data": {
    "totalScore": 820,
    "level": "Expert",
    "components": {
      "diversification": 210,
      "costEfficiency": 230,
      "riskAlignment": 195,
      "rebalancing": 185
    },
    "recommendations": [
      "Excellent cost efficiency with low-cost ETFs",
      "Consider adding emerging markets for better diversification",
      "Your bond allocation is appropriate for your age"
    ]
  }
}

Score Levels:

ScoreLevel
0-199Beginner
200-399Apprentice
400-599Competent
600-799Proficient
800-899Expert
900-1000Master

Step 3: Explore Cities

Section titled “Step 3: Explore Cities”

Find nomad-friendly cities with low cost of living:

Terminal window
curl "https://indepai.app/api/v1/geo/cities?maxCost=2000&minNomadScore=70&limit=5"

Response:

{
  "success": true,
  "data": [
    {
      "id": "lisbon-portugal",
      "name": "Lisbon",
      "country": "Portugal",
      "costOfLiving": {
        "monthlyTotal": 1800,
        "housing": 900,
        "food": 350
      },
      "nomadScore": 82,
      "qualityOfLife": {
        "overall": 75,
        "safety": 80,
        "internet": 75
      }
    }
    // ... more cities
  ],
  "meta": {
    "total": 45,
    "limit": 5,
    "offset": 0,
    "hasMore": true
  }
}

Step 4: Create an Account (Optional)

Section titled “Step 4: Create an Account (Optional)”

To use authenticated endpoints, create an account:

  1. Visit indepai.app/auth/signup
  2. Create an account with your email
  3. Get your access token (see Authentication)

MCP Alternative

Section titled “MCP Alternative”

If you prefer to connect via AI tools, see the MCP Connection Guide for connecting Claude, Cursor, or other MCP-compatible clients to the IndepAI API.

What’s Next?

Section titled “What’s Next?”

Need Help?

Section titled “Need Help?”