NJL Design Lab
Build the financial life you actually want.
Premium planning tools and practical frameworks for people who want clearer decisions, stronger models, and a more intentional path to financial independence.
Start modeling without signup friction.
Compare jobs, homes, debt, deals, and FIRE paths.
Decision support, not generic calculator noise.
What we build
Tools, articles, and systems that make decisions easier.
Everything on NJL Design Lab is designed around one outcome: helping you replace vague intention with clear next steps, better assumptions, and useful models.
Plan
Financial independence tools
Model FI timelines, compare scenarios, and understand how income, spending, investments, debt, taxes, and real estate affect your path.
Learn
Applied financial writing
Read practical articles on FI, investing, real estate, decision quality, and the mental models behind better long-term planning.
Operate
Life systems
Use small, repeatable systems to reduce friction in time, attention, home routines, personal finance, and everyday decisions.
Featured tools
Built for real financial work.
Not generic calculators. These are tools for the tradeoffs, scenarios, and decisions that actually show up in financial planning, real estate analysis, and small-business operations.
Web App · Free
FI Architect
Model your path to financial independence with income, expenses, investments, debt, taxes, inflation, and retirement assumptions.
iOS · Available Now
FI Architect for iOS
Save scenarios, track Portfolio FI and Coast FI, run Monte Carlo simulations, and use AI to review tradeoffs from your phone.
Web App · Free
Deal Analyzer
Underwrite real estate opportunities with cash flow analysis, financing scenarios, cap rate, IRR, and equity multiple calculations.
iOS · Coming Soon
My Farmers Market
Cost recipes, price products, plan market sessions, track sales and leftovers, and understand what is actually making money.
- Pantry-based recipe costing
- Market-day sales and leftovers
- Income, expenses, and small-business KPIs
New here?
Start with the decision in front of you.
If you are building toward FI, analyzing a real estate deal, or trying to make daily life easier to run, Start Here will point you to the right tool or article.