FI Architect
A financial independence planner for real-world scenario modeling.
Use FI Architect to test assumptions, model tradeoffs, and plan your path to financial independence with more precision than a generic calculator — for free.
What it does
Model your financial independence path with real numbers.
FI Architect is designed for people who want more than a “years to retirement” estimate. It lets you test multiple scenarios, adjust assumptions, and understand how changes in savings rate, return assumptions, or spending targets actually affect your timeline.
- Scenario modeling — compare multiple FI paths side by side
- Assumption testing — see how sensitive your plan is to market returns
- Spending analysis — model different retirement spending levels
- Long-range projections — plan decades out with adjustable inputs
Two versions
Web App (Free)
The free web app runs in your browser — no signup, no download. Start modeling immediately.
Spreadsheet (Etsy)
The spreadsheet version gives you full access to the model — customize assumptions, add your own scenarios, and own the file permanently.
Now Available on iOS
FI Architect for iOS is live.
Deeper simulations, saved scenarios, progress tracking, and an AI co-pilot designed to help you think more clearly about your financial independence decisions — now available on the Apple App Store.
FI Architect is a planning and modeling tool. It is not financial advice. See full disclaimer.