Financial independence planning

Know your FI year. Then make the moves that pull it closer.

ChartFI™ projects your finances decades out, then finds the tax and Social-Security claiming strategy that gets you there sooner — all from your own real numbers. The planning depth of a spreadsheet, with the analysis a spreadsheet can't do.

Private beta — invite only. Leave your email and we'll tell you the moment a spot opens.

Request an invite See how it works

Already invited? Log in. When ChartFI opens up, it's free to build your plan and see your FI number, and a 14-day free trial unlocks the full engine.

70%

Funded

✦ On track

Financial independence in 2032

About six years out — at age 52 and 54.

2032

FI year

$2.62M

FI number

$1.84M

Saved so far

Tax-deferred Taxable Alt Roth

Sample household, shown for illustration.

Most planners stop at a single guess. ChartFI goes further — it projects year by year, stress-tests against hundreds of markets, and searches for the strategy that reaches your FI number soonest.

What makes it different

Analysis a spreadsheet can't do

Three things generic calculators skip — and the reason ChartFI is worth paying for.

◎

Strategy Optimizer

Recommended · Balanced

★ Best combination found

Retire in

2032

stop W-2 income

SS — claim ages

70 / 66

joint claiming

Roth conv. cap

22%

bracket ceiling

Conversion size

$88k/yr

low-income years

After-tax wealth vs. current plan

+$185k

Lifetime total tax

−$140k

In plain English: retire in 2032, start Social Security at 70 and 66, and move savings into a Roth up to the 22% tax bracket each low-income year — the combination that leaves this household about $185k richer after tax.

Sample household, shown for illustration.

Flagship

01 — Strategy Optimizer

Not just a projection — the best moves to make

ChartFI jointly searches your Social-Security claiming ages, Roth-conversion schedule, and retirement date, then reports the single best combination — with a concrete dollar delta versus your current plan and a check on how it holds up if you live longer than expected. It's the difference between seeing your future and improving it.

∿

Monte Carlo risk

500 market histories

91% of simulated markets reach your FI number

Median outcome Range of outcomes FI target

Sample household, shown for illustration.

02 — Monte Carlo risk

Your FI date is a range with odds, not a single guess

Markets don't move in a straight line, so ChartFI runs your plan through hundreds of simulated market histories. You get a success rate and a fan chart of outcomes — so you know not just when you might reach FI, but how confident you can be, and where the risk lives.

Tax depth

every year, modeled

After-tax wealth at end

$2.91M

▲ +$180k with conversions alone

Lifetime total tax

$1.06M

▼ −$140k

Avg. effective rate

14.0%

▼ −1.2 pts

Tax-free (Roth) at end

$1.76M

▲ +$610k

State tax — all 50 + DC ACA subsidy cliff — health-subsidy dropoff IRMAA — Medicare surcharges RMDs — forced withdrawals after 73 QCDs — tax-free IRA donations Capital-loss carryforward — losses offset gains

Sample household, shown for illustration. Roth conversions alone are worth +$180k here; the Strategy Optimizer's full combination above (conversions + claiming ages + retirement date) reaches +$185k.

03 — Tax depth

The tax detail generic calculators skip

State tax for all 50 states and DC, the ACA premium-subsidy cliff, IRMAA Medicare surcharges, required minimum distributions, qualified charitable distributions, and capital-loss carryforward — modeled year by year. These are exactly the details that decide whether a Roth conversion or an early retirement actually pays off.

Your data is yours

No lock-in. Ever.

Unlike planners that hold your work hostage, ChartFI is built so you can walk away with everything.

Export anytime

Save any scenario to a file you control, whenever you want — for a backup, a second opinion, or your own records.

Canceling never deletes

Stop paying and your scenarios stay exactly where you left them. Resubscribe later and pick up right where you were.

We never see your card

Billing runs through Stripe's secure portal. Your data is stored under your own account, not sold or shared.

How it works

From your numbers to your plan in three steps

Set up your household

Enter your people, income, budget, and accounts. No connecting bank logins — you're in control of what goes in.

Free

See your FI number & chart

Get your FI number — the portfolio size at which a safe withdrawal rate covers your spending — your projected FI year, and a top-line portfolio chart: the "am I on track?" view, free.

Free

Unlock the full path

Start a trial to open the year-by-year projection, the Strategy Optimizer, Monte Carlo risk, and the AI assistant.

14-day trial

Pricing

One simple price. Free to start.

Build your plan and see your FI number for free. When you're ready for the full engine, start a 14-day trial.

Best value — save 27%

$79/ year

Just $6.58/mo, billed annually

Starts with a 14-day free trial. Cancel anytime.
Prefer monthly? $9/mo.

Free, no card
Build your full plan — profile, budget, assets
Your FI number and projected FI year
Top-line portfolio chart
Paid — everything above, plus
Full year-by-year projection table
Monte Carlo risk analysis
Tax-strategy & Social-Security optimizers
Plan vs Actual re-baselining
PDF report & AI assistant

Request an invite

These are the prices when your invite lands — nothing is charged today. The free tier needs no card; the 14-day trial takes one at checkout, and you can cancel before it ends without being charged.

Both plans include every paid feature. Switch between annual and monthly, or cancel, anytime from Account → Subscription.

FAQ

Questions, answered

Can I sign up right now?

Not yet — ChartFI is in a private, invite-only beta while it's being hardened with a small group. Leave your email and you'll hear from us the moment a spot opens; we use it for that and nothing else. If you already have an invite, log in as normal. Everything described on this page, including the pricing below, is what you'll get when your invite lands.

What's free, and what do I pay for?

A free account lets you build your full plan — profile, budget, and assets — and see your headline numbers: your FI number (the portfolio size at which a safe withdrawal rate covers your spending), your projected FI year, and a top-line portfolio chart. The paid tier unlocks the analysis engine: the full year-by-year projection, Monte Carlo risk analysis, the tax-strategy and Social-Security optimizers, Plan vs Actual re-baselining (log what actually happened each year and re-project from reality instead of the original guess), the PDF report, and the AI assistant.

How accurate is it?

The projection engine is snapshot-tested across more than forty household scenarios — every field of every projection year — so the math is locked to a validated model. That said, it's still a model of an uncertain future, which is exactly why the Monte Carlo stress-testing matters. ChartFI shows you a range of outcomes, not a promise.

Is my data private?

Your data is stored under your own account. Export gives you a file copy you control at any time, and canceling never deletes your scenarios. Billing runs through Stripe's secure portal, so we never see your card number.

Do I need to enter a card for the trial?

Yes — checkout collects a payment method up front, but you won't be charged until the 14-day trial ends. Cancel any time before then from Account → Subscription and nothing is billed.

Can I cancel anytime?

Yes. Cancel from Account → Subscription (Stripe's secure portal). You keep paid access through the end of the period you've already paid for, and your scenarios are never deleted.

See your FI year in minutes

ChartFI is in private beta — leave your email and we'll tell you when a spot opens. Building your plan is free; a 14-day trial unlocks the full engine at $79/yr, or $9/mo.

Request an invite See the features

ChartFI is a planning model, not financial advice or a guarantee of returns.