TOOLS & APPS
Built to do real financial work.
Web tools, mobile apps, and premium spreadsheet assets for people who want more precision in financial independence planning, real estate analysis, daily systems, debt payoff, and money management.
AVAILABLE TOOLS
Start with the tool that matches the job.
Choose the platform that fits how you plan: model your FI path, download the iOS app for saved scenarios and AI-guided planning, capture small repeatable wins with 1% Better, use premium spreadsheet assets from Etsy, or continue into the real estate and small-business tools below.
FI Architect
Model your full path to financial independence with income, expenses, investments, debt, taxes, inflation, and retirement assumptions.
- Calculate your FI number from expenses and withdrawal rate
- Test savings, spending, debt payoff, and retirement assumptions
- Compare Lean, Barista, Regular, and Fat FIRE paths
- Launch in your browser with no login required
iOS · AVAILABLE NOW
FI Architect for iOS
Save scenarios and compare real life decisions side by side so you can see what moves your FI timeline forward.
- Track Portfolio FI, Coast FI, and retirement milestones
- Model debt, home equity, taxes, inflation, and real estate
- Run Monte Carlo simulations and withdrawal strategies
- Use AI to explain results, update scenarios, and review tradeoffs
Deal Analyzer
Analyze real estate deals and test financing assumptions without building your own model.
- Analyze cash flow and NOI
- Compare financing scenarios
- Calculate cap rate, IRR, and equity multiples instantly
- Launch in your browser with no login required
1% Better
Capture small wins, useful improvements, and repeatable actions that make daily life easier to run.
- Save practical improvements worth repeating
- Track wins across money, time, home, energy, and decisions
- Use simple personal KPIs to make progress visible
- Turn low-friction changes into a system you can revisit
iOS · COMING SOON
My Farmers Market
Cost recipes, price products, plan market sessions, track sales and leftovers, and understand what is actually making money.
- Cost recipes with pantry-based ingredient pricing
- Plan market sessions and track sales, leftovers, and earnings
- Monitor monthly income, expenses, and small-business KPIs
- Use AI recipe imports, guideline reviews, and market-day planning tools
PREMIUM SPREADSHEETS
Own the model. Work in the file.
For people who prefer spreadsheet control, NJL Design Lab also offers downloadable Etsy assets for FI planning, debt payoff, budgeting, and net worth tracking.
FI Architect Spreadsheet
A financial independence planning spreadsheet for modeling your path, testing assumptions, and owning the file permanently.
Debt Payoff Planner
Compare snowball and avalanche payoff strategies so you can choose a plan, see the tradeoffs, and track progress.
Money Map Budget Tracker
Track budget categories, net worth, and the financial signals that help you stay oriented month to month.