FI Architect

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