FI Architect

Compare life decisions & FI

Free · In‑App Purchases · Designed for iPad

New in 1.2: model a job offer, move, home or car as a "What if…?" and see exactly how it changes your financial-independence age and net worth before you decide. Should you take the Seattle offer or stay in San Diego? Buy the house now or in two years? Retire at 55 or 60? FI Architect is a financial-independence planner built for decisions. Build your plan once, then model any life choice as its own scenario and see, side by side and in today's dollars, how it moves your financial-independence date and your net worth. COMPARE YOUR FUTURES • What if…? templates for a new job or move, buying a home, buying a car, having a child, or retiring earlier or later • Live impact before you save: "FI 3 years sooner, +$420,000 at retirement" • Compare tab: your plan vs. every saved scenario, with charts and differences in today's dollars • Save, update, and switch between scenarios any time START IN A MINUTE, GO AS DEEP AS YOU WANT • Quick Estimate: six numbers give you a ballpark FI age with a market range • Guided setup walks you through income, spending, accounts, home and debts • Power-user editors with start and stop dates (year and month) on every salary, budget line, contribution, loan, property, and event MATH YOU CAN TRUST • 2026 federal tax brackets, state tax, and payroll tax (FICA) • Social Security taxation, required minimum distributions, and early-withdrawal penalties • 401(k), IRA, Roth, HSA and taxable accounts kept separate, with IRS contribution limits and employer match • Capital-gains tax on taxable accounts, mortgage and loan amortization, home purchase and sale • Retirement healthcare costs, inflation, glide paths, and spending guardrails • Monte Carlo simulation for a range of outcomes, not just one line • Every formula is explained in the app, and every year of the projection is in a table you can inspect and export FI TARGETS THAT MAKE SENSE • Your FI number, portfolio FI target after pensions and Social Security, and Coast FI age • Loan payments that will end are not treated as lifelong spending • Lean, Barista, Regular, and Fat FIRE benchmarks OPTIONAL AI ADVISOR • Ask questions in plain English: "How does the Seattle offer compare?" "What if I max my 401(k)?" • Answers use your plan's calculated results and saved scenarios • Suggested changes show their impact first and are applied only when you tap Apply • You are asked before any data is shared with the AI PRIVATE BY DESIGN • No account required. Your plan stays on your device, with export and backup when you want it • The full planner is free. FI Architect Pro adds expanded AI usage. FI Architect Pro Monthly unlocks expanded AI usage 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 period; manage or cancel in your App Store account settings. FI Architect is an educational planning tool, not financial, tax, or investment advice. Projections are estimates based on your inputs and assumptions. 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

  • 5.0
    out of 5
    1 Ratings

Compare your life decisions side by side. • What if…? Model a new job or move, buying a home or car, having a child, or retiring earlier. Every change has its own start and stop dates, and you see the impact on your financial-independence age and net worth before you save it. • Compare is now its own tab: your plan vs. each scenario, in today's dollars. • Quick Estimate: a ballpark FI age in about a minute. • Guided setup and a plan checklist show what's still missing. • New Income screen for salaries, Social Security, pensions and benefits. • More accurate math: 2026 tax brackets, payroll tax, Social Security taxation, early-withdrawal penalties, contribution limits and employer match, capital gains, retirement healthcare costs, and salaries that stop when you retire. • Smarter AI: answers use your plan's results and saved scenarios; suggested changes show their impact and apply only when you approve.

Version 1.2.0

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

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

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
Nicolas LeTexier
Size
41.2 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.
Languages
English
Age Rating
4+
In-App Purchases
Yes
Copyright
© 2026 NJL Design Lab
  • Developer Website
  • Privacy Policy

    • More by Nicolas LeTexier

    You Might Also Like