ChooseFI vs FI Architect

ChooseFI is the companion app for the ChooseFI community — the largest financial independence movement in the world. Plan your path to financial independence with interactive tools, connect with like-minded people in your area, and access 750+ episodes of the ChooseFI podcast. PLAN YOUR FI JOURNEY - Calculate your FI number and track your progress - Build a personalized financial independence plan - Explore tools for savings rate, Roth conversions, coast FI, and more CONNECT WITH YOUR COMMUNITY - Find local ChooseFI groups and events near you - Join discussion forums on investing, real estate, taxes, and lifestyle design - Share wins, ask questions, and learn from others on the same path LEARN AT YOUR OWN PACE - Stream 750+ podcast episodes with show notes and resources - Take structured courses on FI fundamentals - Read in-depth articles and guides STAY ON TRACK - Get personalized recommendations based on your FI stage - Open email links directly in the app - Secure login with Face ID and Touch ID Whether you're just discovering financial independence or you're years into your journey, ChooseFI gives you the tools, knowledge, and community to get there faster. Free to join. No ads.

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