# FI Architect — Financial Independence Planner

> Financial Independence Planner (iPhone/iPad app by Nicolas LeTexier.)

- Source: https://appshunter.io/ios/app/fi-architect/id6770502177 (this page in markdown: same URL + `.md`)
- Developer: [Nicolas LeTexier](https://appshunter.io/developer/1896748718)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 39 MB
- Languages: English
- Released: 2026-05-23
- Data updated: 2026-08-09
- User reviews in markdown: https://appshunter.io/ios/app/fi-architect/id6770502177/reviews.md

## What is FI Architect?

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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| FI Architect Pro | $4.99 | per month |



## Version history (last 5 releases)

### 1.1.3 — 2026-08-05

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.

### 1.1.2 — 2026-08-03

Version 1.1.2 improves milestone accuracy, scenario transparency, and planning consistency.

- Clarifies Coast FI, projected FI, and planned retirement readiness
- Aligns milestone values across Dashboard, Portfolio, Compare, Data, and AI
- Prevents legacy sample rental data from appearing in user scenarios or exports
- Keeps stored properties visible even when excluded from projections
- Preserves user-created rental and property records
- Includes Expo and React Native reliability updates

### 1.1.1 — 2026-07-15

Version 1.1.1 improves reliability and financial planning clarity.

- Restored secure installation identity for FI Architect AI on signed Apple devices
- Removed an obsolete CloudKit startup path
- Added user-defined debt categories
- Made Financial Independence a single milestone and highlighted later years where FI remains maintained
- Limited permanent portfolio-target offsets to durable after-tax passive income
- Corrected future rental-income growth timing

### 1.1 — 2026-07-10

Version 1.1 improves FI Architect's planning engine, scenario handling, and Pro AI security.

- Stronger financial projection consistency across Dashboard, Portfolio, Compare, Data, and AI context
- Improved budget mode migration, debt modeling, home equity handling, passive income treatment, and Monte Carlo outputs
- Updated responsive navigation and accessibility refinements for iPhone, iPad, and Mac
- Hardened Pro AI entitlement checks with server-side sessions, Apple verification, and usage guardrails
- Updated privacy disclosures and App Store compliance metadata

### 1.0 — 2026-05-23

No release notes.

## More apps by Nicolas LeTexier

- [My Farmers Market Planner](https://appshunter.io/ios/app/my-farmers-market-planner/id6778474097)

All apps by Nicolas LeTexier: https://appshunter.io/developer/1896748718

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-09.*