Tools & Apps
Choose the tool that matches the decision.
Compare platform, cost, best use, data handling, and maturity before opening an app or downloading a workbook.
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 Downloads page collects the free workbooks and published iOS apps for readers who want a downloadable file or a mobile planning surface.
| 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 |
| Garmin watch face | Garmin Connect IQ | Free | At-a-glance watch information | Fitness & Sensor Data | Released |
| NJL Spreadsheets | Downloadable files | Free downloads | Owning and adapting the working model | Files you control | Available |
On narrow screens, scroll horizontally to compare all columns.
Financial independenceFI Architect
Build and compare FI scenarios across income, spending, debt, investments, taxes, real estate, inflation, and retirement assumptions.
Real estateDeal Analyzer
Underwrite a property and inspect cash flow, financing, cap rate, IRR, and equity multiple without building a new spreadsheet.
Life Systems1% Better
Save small changes worth repeating across money, time, home, energy, and decisions.
Small businessMy Farmers Market
Cost recipes, price products, plan market sessions, track results, and preserve browser-local data through export/import.
Garmin watch face
A calm, highly readable Connect IQ watch face for essential information without a crowded or flashy dial.
Record: Published August 14, 2026. Choose Classic Black or Blue Sunburst, digital time, analog time, or both, with optional date, weather, heart-rate, and steps displays.
Free downloads
Working files and apps for the decisions that matter.
The three spreadsheet systems are free downloads. The published iOS apps are free to download with optional Pro or AI features described on their product pages. Use the files, adapt them, and keep what works.
Free to downloadFI Architect for iOS
Plan financial independence scenarios on iPhone and iPad, with saved scenarios and optional Pro planning workflows.
Free to downloadMy Farmers Market Planner
Cost recipes, plan market sessions, track sales, and manage a small food business from iPhone and iPad.
Garmin watch face
Install through Garmin Connect IQ on your mobile device, then choose the display and information options that fit your watch.
Debt Snowball vs. Avalanche Payoff Planner
Compare debt snowball and debt avalanche strategies with a working payoff plan, comparison view, and what-if calculations.
Download the Debt Payoff Planner
DebtSnowballvsAvalanchePayoffPlanner.xlsx
FI Architect Premium v4.8
Build and compare financial-independence scenarios across income, spending, assets, liabilities, taxes, and long-term assumptions.
Download FI Architect Premium v4.8
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.
Download the Money Map Tracker
MoneyMapBudget-NetWorthTracker.xlsx
Additional files
Keep the core files free.
The core workbooks are free here. If distinct paid files are added later, Etsy remains the checkout surface.
Build record
The tools share a production pattern
Tools & Apps is the index for the products, but the more useful story is how each one moved from a concrete problem to a tested artifact.
Define
Start with a recurring decision or friction point: financial scenarios, underwriting, market economics, or daily progress.
Build
Use the smallest useful browser or mobile surface, keeping the data model and acceptance criteria explicit.
Test
Use real workflows, devices, app review surfaces, deployment checks, and public re-fetches instead of treating a successful local build as proof.
Document
Record what worked, what failed, external dependencies, and what must remain unchanged until source or evidence improves.
Current map
FI Architect and My Farmers Market are released and evolving; Deal Analyzer is released and being transferred from a legacy system; 1% Better is local-first and released; Options Income Tracker is running with a free download planned; spreadsheet systems are built with three free downloads now available; newer AI, wearable, and film work remains in development or exploration.