FI Architect

Finally, a financial independence calculator that lets you model your FI future with more than a static number.

FI Architect helps you understand when work becomes optional. Build a household plan with income, expenses, investments, debt, home equity, taxes, inflation, and retirement assumptions, then see how every year of your projection changes as you update your inputs.

Model how a new job, promotion, home purchase, early debt payoff, retirement glide path, or major life change could impact your FI timeline. Save scenarios and compare what-if plans side by side so you can make long-term financial decisions with more clarity.

Features include:

• Calculate your FI number using annual expenses and withdrawal rate.
• Customize future income and expenses with start and end dates.
• Track portfolio FI, Coast FI, retirement countdowns, and milestone progress.
• Model mortgages, student loans, auto loans, real estate, taxes, and inflation.
• Build detailed budgets with liability payments reflected in projections.
• Compare Lean, Barista, Regular, and Fat FIRE paths.
• Save scenarios and compare important KPIs side by side.
• Use FI Architect AI to explain results, review tradeoffs, and update your scenario from natural language.
• Run Monte Carlo simulations, test withdrawal strategies, model aggressive mortgage payoff, and more.

FI Architect Pro Monthly unlocks expanded AI planning workflows after the included free AI prompts. Subscription length is 1 month. Pricing is shown before purchase and may vary by region. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription in your App Store account settings.

FI Architect is an educational planning tool. It does not provide financial, investment, tax, legal, or retirement advice. Projections are estimates based on user inputs and assumptions. Consult a qualified professional before making financial decisions.

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