Financial Independence Tools
Powerful calculators designed to help you make smarter, data‑driven financial decisions.
FI Architect
FI Architect is a comprehensive financial independence planner (FI Calculator) built to help you design your path to wealth and early retirement with real precision. Most FI tools offer a nice high‑level overview, but they fall short when it comes to actually planning your financial future. I wanted something that could model the real world—not just smooth curves and optimistic assumptions—so I built an engine capable of simulating almost any financial scenario.
FI Architect incorporates US progressive tax modeling, real estate cash‑flow analysis, Monte Carlo market volatility, and dynamic asset‑allocation glide paths to give you a realistic, stress‑tested view of your future. Whether you’re exploring a mini‑retirement in the FI Lab, comparing Rent vs. Buy outcomes, or optimizing tax‑efficient withdrawal strategies, FI Architect delivers the clarity and analytical depth needed to build a resilient, data‑driven financial plan.
Real Estate Deal Analyzer
DealAnalyzer is a comprehensive real estate investment calculator built for professional underwriters, investors, and anyone who needs to evaluate deals with accuracy and speed. It provides a flexible platform for modeling complex deal structures, including customizable income streams, detailed operating expenses, and itemized CapEx reserves—all within a clean, intuitive interface.
Its live multi‑year projection engine updates instantly as assumptions change, enabling dynamic cash‑flow analysis and rapid scenario testing. A built‑in comparison tool lets you evaluate multiple investment cases side‑by‑side, helping you identify the strongest opportunities with confidence. DealAnalyzer also generates a print‑ready lender prospectus summarizing key metrics such as NOI, DSCR, IRR, and Cash‑on‑Cash return—ideal for presenting professional‑grade reports to partners or lenders.
For more than a decade, I’ve been working toward financial independence. After seven years in the US Navy, I knew it was time to move on to my next adventure—and as life evolved, so did my priorities. Now a family man, FI isn’t just a personal goal; it’s a way to create more time, presence, and stability for the people who matter most.
Along the way, I kept running into the same problem: the online tools available were far too generic. Most calculators assume your current salary, your expected retirement expenses, and—just like that—your entire financial future is “solved.” But real life doesn’t work that way.
What happens if you buy a rental property next year and want to retire in ten? What does your actual after‑expenses cash flow look like when you get there? What if you rent now but plan to buy a home in three years? How does a promotion, a job change, or even simple inflation‑adjusted income affect your FI timeline? Should you pay off your mortgage early or invest the difference?
These are the real‑world questions I needed answers to—so I built tools that could model them with precision. Every scenario, every variable, every “what if” that shapes a real financial life is accounted for here.
I hope these tools bring you the same clarity they’ve brought me, and that they help you move toward your goals with confidence and purpose.
Support My Work
If these tools provide value to you, consider making a small donation. It helps keep the calculators online and encourages me to continue building more resources for the community.
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Get in Touch
If you have questions, feedback, or just want to say hello, feel free to reach out anytime at [email protected]. I always enjoy hearing from people using these tools.