Tools & Apps
Choose the tool that matches the decision.
Compare platform, cost, best use, data handling, and maturity before opening an app or buying a spreadsheet.
Product matrix
Pick the right working surface.
Every NJL app includes a free core experience. Optional Pro features or AI usage may require an in-app purchase or subscription. The Shop is for readers who want a downloadable file.
| Product | Platform | Price | Best for | Data handling | Maturity |
|---|---|---|---|---|---|
| FI Architect | Web | Free | FI scenarios and assumption testing | No account; browser-based session | Available |
| FI Architect for iOS | iPhone and iPad | Free core app | Saved scenarios, simulations, and mobile planning | See product privacy policy | Available |
| Deal Analyzer | Web | Free | Rental-property underwriting | No account; entered deal inputs | Available |
| 1% Better | Web | Free | Capturing small repeatable life improvements | Browser-local storage | Beta |
| My Farmers Market Planner | Web, iPhone, and iPad | Free core app | Recipe costing and market-day operations | See product privacy policy | Available |
| NJL Spreadsheets | Downloadable files | See Etsy | Owning and adapting the working model | Files you control | Available |
FI Architect
Build and compare FI scenarios across income, spending, debt, investments, taxes, real estate, inflation, and retirement assumptions.
Deal Analyzer
Underwrite a property and inspect cash flow, financing, cap rate, IRR, and equity multiple without building a new spreadsheet.
1% Better
Save small changes worth repeating across money, time, home, energy, and decisions.
My Farmers Market
Cost recipes, price products, plan market sessions, track results, and preserve browser-local data through export/import.
Premium spreadsheets
Prefer to work directly in the file?
Browse FI planning, debt payoff, budget, and net worth spreadsheet systems. Etsy handles pricing, checkout, and delivery.