We present TiML (Timed ML), an ML-like functional language with time-complexity annotations in types. It uses indexed types to express sizes of data structures and upper bounds on running time of functions; and refinement kinds to constrain these indices, expressing data-structure invariants and pre/post-conditions. Indexed types are flexible enough that TiML avoids a built-in notion of ``size,'' and the programmer can choose to index user-defined datatypes in any way that helps her analysis. TiML's distinguishing characteristic is supporting highly automated time-bound verification applicable to data structures with nontrivial invariants. The programmer provides type annotations, and the typechecker generates verification conditions that are discharged by an SMT solver. Type and index inference are supported to lower annotation burden, and, furthermore, big-O complexity can be inferred from recurrences generated during typechecking by a recurrence solver based on heuristic pattern matching (e.g. using the Master Theorem to handle divide-and-conquer-like recurrences). We have evaluated TiML's usability by implementing a broad suite of case-study modules, demonstrating that TiML, though lacking full automation and theoretical completeness, is versatile enough to verify worst-case and/or amortized complexities for algorithms and data structures like classic list operations, merge sort, Dijkstra's shortest-path algorithm, red-black trees, Braun trees, functional queues, and dynamic tables with bounds like $m n \log n$. The learning curve and annotation burden are reasonable, as we argue with empirical results on our case studies. We formalized TiML's type-soundness proof in Coq.