FI Architect
Financial Independence Planner
Free · In‑App Purchases · Designed for iPad
Finally, a financial independence calculator that lets you model your FI future with more than a static number.
FI Architect helps you understand when work becomes optional. Build a household plan with income, expenses, investments, debt, home equity, taxes, inflation, and retirement assumptions, then see how every year of your projection changes as you update your inputs.
Model how a new job, promotion, home purchase, early debt payoff, retirement glide path, or major life change could impact your FI timeline. Save scenarios and compare what-if plans side by side so you can make long-term financial decisions with more clarity.
Features include:
• Calculate your FI number using annual expenses and withdrawal rate.
• Customize future income and expenses with start and end dates.
• Track portfolio FI, Coast FI, retirement countdowns, and milestone progress.
• Model mortgages, student loans, auto loans, real estate, taxes, and inflation.
• Build detailed budgets with liability payments reflected in projections.
• Compare Lean, Barista, Regular, and Fat FIRE paths.
• Save scenarios and compare important KPIs side by side.
• Use FI Architect AI to explain results, review tradeoffs, and update your scenario from natural language.
• Run Monte Carlo simulations, test withdrawal strategies, model aggressive mortgage payoff, and more.
FI Architect Pro Monthly unlocks expanded AI planning workflows after the included free AI prompts. Subscription length is 1 month. Pricing is shown before purchase and may vary by region. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription in your App Store account settings.
FI Architect is an educational planning tool. It does not provide financial, investment, tax, legal, or retirement advice. Projections are estimates based on user inputs and assumptions. Consult a qualified professional before making financial decisions.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://njldesignlab.com/fi-architect/privacy-policy.html
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Version 1.1.3 updates FI Architect AI to GPT-5.6 Luna for cost-sensitive AI planning.
• Adds month-aware start and end dates for income, budgets, contributions, debts, and properties.
• Ensures saved property records are included in projections and exports only when entered.
• Improves scenario migration, privacy metadata, and release reliability.
The developer, Nicolas LeTexier, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- User Content
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Nicolas LeTexier
- Size
- 41 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- FI Architect Pro $4.99
- Copyright
- © 2026 NJL Design Lab