FI Toolkit 4+

Financial Independence Toolkit

Steve Welch

    • 1.5 • 2 Ratings
    • $2.99


FI Toolkit is an app to help you pursue Financial Independence and gain greater financial health through informative articles and by references to popular FI and FIRE authors. My goal (as the author and a user of FI Toolkit) is to connect you to the important and relevant truths about saving for your future and how life choices can impact your projected downstream security. The app calculates and plots net-worth and a detailed spreadsheet that reflect your financial status and your anticipated cash flows. The all important questions of “When will I become Financially Independent?” and “How long will my money last?” will at last be answerable.

• Convenient input “sliders” for information entry
• Informative articles about finance and Financial Independence
• Multiple account types for Cash, Portfolio (stocks), Tax Deferred, and Tax Free
• Social Security inputs for yourself and spouse
• Multiple scenarios to explore alternate life choice directions
• Detailed income and expense entries
• Instant calculation and display of results (plot & spreadsheet formats)
• Summary of the scenario and the computed results


• Considers inflation factors
• Makes allowances for an emergency fund
• Determines contributions to retirement accounts
• Compounds account balances
• Estimates Federal and State taxes
• Determine distributions for expenses during retirement
• Computes Required Minimum Distributions (RMDs)

The app provides login security features (including FaceID) and synchronizes with your iPhone, iPad, and Macintosh devices. Your information is private to you and is not shared with anyone outside of the Apple secure enclave. The app is also ad-free, requires no subscription, and does not affiliate with any financial institutions selling products or services.

What’s New

Version 1.3

Updated Federal and State tax brackets and rates. Updated Required Minimum Distribution (RMD) calculations. Misc fixes and improvements.

Ratings and Reviews

1.5 out of 5
2 Ratings

2 Ratings

orthodez ,

DO not purchase until adjustments made

Cannot do any projections with a salary above $200k. Cannot contact developer. Useless if your income exceeds$200,000/yr

Developer Response ,

Thanks for your review. You can indeed set a salary above the $200k that the slider allows. Just press the the information icon "i" to the left of the slider. You can then set the parameter to any value you wish. The slider is meant to be a simple convenient way to set parameters for the program within a typical though arbitrarily defined range. For future reference, you can contact me for questions by email at

BG Golfer ,

Doesn't seem accurate

I'm a pretty savvy financial person with impeccable records and knowledge of using all sorts of different retirement planners. Entry is easy with your app...but the calculations seem wacky.

For example, in your Example Portfolio, you have $5,000 in Cash Savings Account entered on the left side. Yet your spreadsheet for the current year shows $20,000. Where in the world does this number come from? Where does the other $15,000 come from? Shouldn't all current entries in the left side then show in the current year on the spreadsheet?

Other amounts entered in the Savings Accounts areas (Portfolio, Tax Deferred and Tax Free) also have inaccurate amounts in the current year.

Even taking into account the rate of inflation and/or the Growth or Rate of Return does not give me numbers even close to whats displayed in the app.

Isn't your app supposed to calculate from TODAY and then into the future? Or does it mysteriously start at some strange unknown previous year? There's no explanation available.

These miscalculations throw off my complete retirement analysis and the accompanying graph.

Additionally, it would be nice if your "App Support" actually had a way to communicate directly with you or through your lame website so questions about this app could be explained and/or resolved.

So...oh wise app creator. Why do my all Savings Accounts amounts differ in what I have entered and what is displayed in the current spreadsheet year and thus calulated into the future?

If this is explained properly (ie I'm missing something) or if you correct the spreadsheet and graph due to this inaccuray, then I'll amend my review to a more favorable one.

Until them, I'm baffled where you get your basis for your calculations from.

App Privacy

The developer, Steve Welch, 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 Not Collected

The developer does not collect any data from this app.

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    Up to six family members can use this app with Family Sharing enabled.

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