FI Architect for iOS
Now available on the App Store. The core planner is free. FI Architect Pro unlocks expanded AI planning workflows for users who want deeper guidance and faster scenario updates.
Plan when work becomes optional.
FI Architect is a financial independence planner built for people who want more than a static FI number. Model your full path with income, expenses, investments, debt, home equity, taxes, inflation, and retirement assumptions — then see how each year changes as life changes.
Decision Modeling
Test real choices before you make them.
Use FI Architect to compare the decisions that can reshape your financial independence timeline: a new job, promotion, home purchase, early debt payoff, retirement glide path, or different spending level.
Milestones
Track multiple FI paths
Calculate your FI number using expenses and withdrawal rate, then track Portfolio FI, Coast FI, and retirement milestones over time.
Full Picture
Model the variables that matter
Account for mortgages, student loans, auto loans, taxes, inflation, real estate, budgets, debt payments, and investment assumptions in one planning model.
Scenarios
Compare paths side by side
Save scenarios and compare Lean, Barista, Regular, and Fat FIRE paths so you can see what actually moves your FI timeline forward.
Built for serious FI planning
Go beyond one-off calculators.
FI Architect is for serious FI/FIRE planners, households making big life decisions, and anyone who wants a clearer view of when work can become optional.
- Run Monte Carlo simulations and withdrawal strategies
- Build detailed budgets with debt payments reflected automatically
- Use AI to explain results, update scenarios, and review tradeoffs
- Save plans so your projection can evolve as your life changes
iPhone and iPad
Download FI Architect
Start with the free core planner. Upgrade to FI Architect Pro when you want expanded AI planning workflows and faster scenario updates.
Prefer the browser?
Try the free web app too.
FI Architect is also available as a free browser-based tool. Use it to model your FI number and test assumptions without a download.