NJL Design Lab Downloads
Working files and apps for the decisions that matter.
Published iOS apps and three core spreadsheet systems are available here as free downloads. Use them, inspect the limits, adapt the assumptions, and keep what works.
Free apps
Published mobile tools, ready to try.
These iOS apps are free to download. Optional Pro or AI features are described on each product page and in the App Store listing.
FI Architect for iOS
Model financial-independence scenarios on iPhone and iPad with saved scenarios and optional Pro planning workflows.
My Farmers Market Planner
Cost recipes, plan market sessions, track sales, and manage a small food business from iPhone and iPad.
Free workbooks
Use them, adapt them, keep the working model.
These workbooks were originally sold through Etsy and are now available here at no cost. They are practical files for comparing choices, testing assumptions, and keeping a repeatable household review process.
Debt Snowball vs. Avalanche Payoff Planner
Compare debt snowball and debt avalanche strategies with a working payoff plan, comparison view, and what-if calculations.
DebtSnowballvsAvalanchePayoffPlanner.xlsx
FI Architect Premium v4.8
Build and compare financial-independence scenarios across income, spending, assets, liabilities, taxes, and long-term assumptions.
FIArchitectPremiumv4.8.xlsx
Money Map Budget and Net Worth Tracker
Track monthly budgets, net worth, debts, and the household numbers that support better financial decisions.
MoneyMapBudget-NetWorthTracker.xlsx
Choose your format
Use a workbook or a working app.
The spreadsheets are designed for ownership and adaptation. If you prefer a guided browser or mobile experience, the core NJL tools remain available from Tools & Apps.
Questions or corrections
Found a problem in a file?
Send a note through the contact page with the workbook name, the sheet, and the issue you found. Clear feedback is part of keeping these files useful.