Your Personal Path to Financial Independence.
Whether you're just starting or fine-tuning a complex portfolio, FI-Journey meets you where you are. Visualize your future with our powerful Simulator or let our AI Advisor build the plan for you.
Meet Your AI Advisor
New to FI? Chat with provided AI to build your profile — no spreadsheets required.
Start ChattingQuick Projections
Get a snapshot of your FI number and timeline in seconds directly from your dashboard.
Go to DashboardLaunch Simulator
Deep dive into taxes, market conditions, and life events with our professional-grade simulator.
Open SimulatorAn Unparalleled Toolkit
AI-Powered Context
Our Advisor doesn't just chat; it understands your finances. It interprets your data to give personalized feedback and build your profile for you.
Detailed Projections
Simulate your net worth, investments, and cash flow for the next 50+ years. Account for taxes, inflation, Social Security, and variable returns.
Custom Life Paths
Life isn't linear. String together different scenarios—like working for 10 years, then moving abroad—to model a complex and realistic future.
Gain Unprecedented Clarity
Stop guessing about your financial future. FI-Journey helps you replace anxiety with data-driven confidence.
Visualize Your Goals
AI-Assisted Setup
Stress-Test Your Plan
Stay on Track
Explore 10+ Free Financial Calculators
You don't need to sign up to get answers. Use our comprehensive suite of tools to calculate everything from reliable safe withdrawal rates to complex debt payoff strategies.
Coast FI
Rule of 72
Compound Interest
Rent vs Buy
Debt Payoff
Safe Withdrawal
+ more
25x
Rule of thumb4%
SWR$1.2M
FI Number7%
Real ReturnPowered by Verified 2026 Data
Unlike generic AI tools, our Advisor is trained on the latest 2026 IRS tax limits, SSA Social Security guidelines, and official depreciation curves, plus more.
IRS Pub 590-A/B
SSA Pub 05-10147
2026 Tax Limits
Ready to Take Control?
Your journey to financial independence starts with a single step. Launch the simulator now and start building your plan for free.