FI Architect
Compare life decisions & FI
About
Model life decisions like job changes, home purchases, or retirement timing to see their impact on your financial independence date and net worth. Compare different future scenarios side-by-side with detailed projections and trusted financial calculations.
What's New in FI Architect
1.2.0
October 20, 2026
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.
MoreSubscriptions & In-App Purchases
FI Architect Pro
Expanded AI planning access
Developer apps
FAQ
What is FI Architect?
FI Architect is a financial independence planner that allows you to model and compare different life decisions, such as job changes or retirement timing, to see their impact on your financial future. It provides detailed projections and trusted financial calculations.
How does FI Architect help compare life decisions?
You can build your financial plan once and then model any life choice as its own scenario. The app shows you side-by-side how each scenario affects your financial independence date and net worth in today's dollars.
What kind of financial calculations does FI Architect perform?
FI Architect includes calculations for 2026 federal and state taxes, Social Security taxation, required minimum distributions, various investment accounts (401k, IRA, Roth, HSA), capital gains tax, loan amortization, and retirement healthcare costs. It also uses Monte Carlo simulation for a range of outcomes.
Is FI Architect free to use?
The full planner is free. FI Architect Pro offers expanded AI usage and is available via a monthly subscription. Pricing is shown before purchase and may vary by region.
Does FI Architect have ads?
No, FI Architect does not contain advertisements. The app is designed to be private and ad-free, with optional premium features available through subscription.
What are the subscription options for FI Architect Pro?
FI Architect Pro is available as a monthly subscription for $4.99. This unlocks expanded AI usage beyond the included free prompts. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period.
What devices does FI Architect support?
FI Architect is available for iPhone, iPad, and iPod. It is designed to be accessible across Apple's mobile ecosystem.
How often is FI Architect updated?
The latest version of FI Architect is 1.2.0, which was last updated on October 20, 2026. Updates typically include new features, bug fixes, and improvements to financial calculations.
