Financial independence planning

Know your FI year, and what moves it.

ChartFI™ projects your finances decades out, then models how tax and Social-Security claiming choices change your FI year — 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 email you when a beta spot opens, and once more at launch. Nothing else.

Request an invite See how it works

Already invited? Log in. Nothing is charged during the beta. When ChartFI opens up, it's free to build your plan and see your FI number, and a 14-day free trial for first-time subscribers unlocks the full engine.

35%

Funded

✦ On track

Financial independence in 2031

At age 51 and 48.

2031

FI year

$755k

FI number

$267k

Saved so far

Tax-deferred Taxable Alt Roth

A real ChartFI run of a sample household, in today's dollars; the bars are an illustration.

Most planners stop at a single guess. ChartFI goes further — it projects year by year, stress-tests against hundreds of markets, and ranks your biggest decisions by the goal you pick.

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

Max wealth objective

★ Highest-scoring combination

Retire in

2042

at age 62

SS — claim ages

70 / 62

joint claiming

Roth conversions

Up to $218k/yr

income ceiling

The plan as entered

2040

retire · SS at 67 / 67

After-tax wealth vs. current plan

+$886k

Lifetime tax, present value

+$109k

In plain English: this household retires in 2042, starts Social Security at 70 and 62, and tops its income up to $218k a year with Roth conversions — the combination that, in the model, leaves it +$886k after tax against the plan as entered. It pays $109k more lifetime tax (present value), with earnings taxed until 2042 rather than 2040, and still ends ahead after tax.

A real ChartFI run of a sample household, in today's dollars.

Flagship

01 — Strategy Optimizer

Not just a projection — a ranked search of your biggest decisions

ChartFI jointly searches your Social-Security claiming ages, Roth-conversion schedule, and retirement date, then reports the highest-scoring combination for the goal you pick — with a concrete dollar delta versus your current plan and a check on whether that ranking holds if returns, inflation or life expectancy turn out different. It's the difference between seeing your future and testing what changes it.

∿

Monte Carlo risk

500 market histories

95% of simulated markets fund this plan's spending for life

Median outcome Range of outcomes FI target

A real ChartFI run of a sample household; the fan chart is an 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

$4.10M

▲ +$292k with conversions alone

Lifetime total tax

$428k

▼ −$188k with conversions alone

Converted to Roth

$369k

Roth at end

$2.60M

▲ +$2.30M

State tax — all 50 + DC ACA subsidy cliff — health-subsidy dropoff IRMAA — Medicare surcharges RMDs — forced withdrawals from 73 or 75 QCDs — tax-free IRA donations Capital-loss carryforward — losses offset gains

A real ChartFI run of a sample household, in today's dollars. Roth conversions alone add $292k to after-tax wealth here; the Strategy Optimizer's full combination above (claiming ages, retirement date and conversion ceiling) adds a further +$886k on top of the plan as entered.

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

Upgrade to open the year-by-year projection, the Strategy Optimizer, Monte Carlo risk, and the AI assistant — free during the beta. After the beta, first-time subscribers start with a free trial.

Free during the beta

Pricing

One simple price. Free to start.

Build your plan and see your FI number for free. During the invite-only beta, nothing is charged: Upgrade unlocks the full engine free. The prices below are what ChartFI costs after the beta, when first-time subscribers start with a 14-day free trial.

Best value — save 27%

$79/ year

Just $6.58/mo, billed annually, plus applicable tax

14-day free trial for first-time subscribers. Cancel anytime.
Prefer monthly? $9/mo plus applicable tax.

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

No card is needed for the free tier, or for anything during the beta. After the beta, the 14-day free trial for first-time subscribers takes one at checkout, and you can cancel before it ends without being charged. If you've subscribed before, there's no second trial and checkout charges your card.

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 we'll email you when a beta spot opens, and once more at launch; we use it for that and nothing else. If you already have an invite, log in as normal. During the beta, nothing is charged: Upgrade unlocks every feature on this page, free. The prices on this page are what ChartFI costs after the beta.

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 checked for consistency across more than 100 household scenarios — every field of every projection year — so a change that moves any of those numbers is caught before it ships. It's still a model of an uncertain future, and during the beta some numbers may be wrong: the "Looks wrong?" link beside the main figures sends one straight to us. That's also 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?

Not during the beta — Upgrade unlocks everything free, with no card and no checkout. After the beta, checkout collects a payment method up front. The 14-day free trial is for first-time subscribers: you won't be charged until it ends, and if you cancel before then from Account → Subscription, nothing is billed. If you've subscribed before, there's no second trial and checkout charges your card straight away.

Can I cancel anytime?

Yes. During the beta there's nothing to cancel, since nothing is charged. After the beta, 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 email you when a beta spot opens. Nothing is charged during the beta: Upgrade unlocks the full engine free. Building your plan stays free after the beta, and the full engine is then $79/yr, or $9/mo, plus applicable tax, with a 14-day free trial for first-time subscribers.

Request an invite See the features

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