Yes. The FI Plan — all 34 tools including Monte Carlo simulation, withdrawal strategy modeling, and Roth conversion analysis — is included free with your ChooseFI community membership. No premium tier, no paywall for advanced tools.
How long does it take to set up?
The initial 8-step setup takes 20-30 minutes if you have your financial details handy. But you don’t need to do it all at once — the plan saves your progress and partial data still works for many tools. Add detail incrementally as you gather it.
What if I don’t have a surplus right now?
That’s exactly the kind of insight the tool is designed to surface. If expenses exceed income, the Scenario Builder helps you model what-if changes — house hacking, increasing income, eliminating a payment — and see which ones create the surplus you need to start building toward FI.
What countries are supported?
The FI Plan supports the United States, Canada, United Kingdom, and Australia with jurisdiction-specific tax brackets, account types (401k, RRSP, ISA, Super), and contribution limits.
What investment return should I use?
A common starting point is 7-8% inflation-adjusted returns, based on the long-term historical average of a total US stock market index fund. The Assumptions step lets you adjust this and instantly see how it affects every projection.
Which withdrawal strategy should I use?
It depends on your risk tolerance and flexibility. Most early retirees benefit from a Guardrails approach, which adjusts spending based on portfolio performance. The FI Plan lets you [compare all 8 strategies](/go/withdrawal-strategies) side by side using your actual numbers.
Can I plan with a partner?
Yes. The FI Plan supports dual-income planning throughout — separate income sources, contributions, balances, and tax scenarios for both partners. The Social Security Optimizer includes spousal benefit analysis.
How often should I update my plan?
Update balances quarterly and do a full review annually. The [Annual Review](/go/annual-review) tool tracks year-over-year changes with AI-generated insights. The [Command Center](/go/command-center) gives you a daily pulse. The plan is designed to grow with you — not something you set once and forget.
