Jonathan's Toolkit for Financial Independence
A full suite of planners, calculators, trackers, and players — built inside the ChooseFI community. One free account unlocks everything.
8
Tool Categories
20+
Planning Modules
750+
Episodes
100%
Free
Your FI Number, Calculated the Right Way
Most FI calculators give you a single number based on 25x your expenses. Ours goes deeper — factoring in pensions, Social Security, time-bound expenses like childcare, and multiple scenario paths so you can see exactly where you stand.
- 20 optional modules — use only what applies to you
- 4 countries supported: US, UK, Canada, Australia
- Pensions, Social Security, and time-bound expenses built in
- Scenario builder for "what if" planning
- FI stage system tracks your progress over time
Your FI Number
$1.24M
Based on your effective need (not just 25x expenses)
**** **** **** 4821
**** **** **** 7293
**** **** **** 5510
Track Every Card, Point, and Partner
My Wallet keeps your entire credit card portfolio organized — benefits, renewal dates, points balances, and utilization — so you never miss a perk or pay a fee you forgot about. Plus, get personalized recommendations for your next card.
- Wallet tracking with benefits, renewals, and utilization
- Personalized next-card recommendations based on your spending
- 50+ transfer partners compared side by side
- Cents-per-point guide for every loyalty program
- Step-by-step travel rewards course with progress tracking
Know When You Can Stop Saving
Coast FI is the point where your investments will grow to cover retirement on their own — no more contributions needed. Most calculators treat it as a standalone number. Ours integrates with your full FI plan data so the result is actually accurate.
- Calculate your exact Coast FI number
- Visual timeline showing when you hit Coast FI
- What-if scenarios for different return rates and timelines
- Integrated with your FI plan — not a standalone guess
Your Coast FI Number
$487K
You could stop contributing in ~4.5 years and still retire on time.
This is the exact framework I used to calculate my Coast FI number.
Comment Right Where the Conversation Happens
Ever wished you could leave a comment at the exact moment in an episode that resonated with you? Now you can. Our podcast player lets you attach comments to specific timestamps, creating a community discussion layer on every episode.
- Timestamp comments — react to the exact moment in the episode
- 750+ episodes of the ChooseFI podcast
- Custom playlists to organize your listening
- Persistent player that follows you across the app
- Community discussion on every episode
Progressive Overload Meets Intermittent Fasting
Two tools in one: a workout logger that tracks progressive overload so you're always pushing forward, and an intermittent fasting timer that logs your eating windows. Track both, see your streaks, and keep the momentum going.
- Progressive overload tracking — see weight increases over time
- Intermittent fasting window logger and timer
- Workout history with personal records
- Early beta access for community members
Workout Log
Bench Press
Squat
IF Timer
12:04
remaining
16:8 — Fasting window
Happy Money
Ken Honda
Reading Schedule
Ch. 1–3
"What does "buying happiness" mean to you?"
Ch. 4–6
Ch. 7–9
Read Together, Grow Together
Our book club is facilitated by Ginger and a rotating guest from the FI community. Each book gets its own dedicated forum with an 8–12 week reading schedule and chapter-by-chapter discussions. The best threads, comments, and voicemail feedback are featured in a podcast episode that shares the community's voice with the larger audience.
- Facilitated 8–12 week reading with a paced weekly schedule
- Dedicated forum per book with chapter discussions, takeaways, and quotes
- Guest facilitators from the FI community join each book
- Your best comments and voicemails featured in the wrap-up podcast
- Achievements for joining, completing books, and rating
Align Your Spending With Your Values
Score every spending category against what actually matters to you — joy, utility, alignment. The Value Matrix shows you exactly where to cut and where to invest more, so your money goes where your values are.
- Score spending categories by personal values
- Visual matrix of joy vs. cost across your budget
- Identify high-value and low-value spending instantly
- Integrated with your FI plan for real budget impact
Insight: Travel scores highest across all values. Subscriptions may be worth cutting.
Snowball
38 mo
to debt-free
$4,218 in interest
Avalanche
34 mo
to debt-free
$3,641 in interest
Avalanche saves you $577 and 4 months over snowball.
See Every Path to Debt Freedom
Compare snowball vs. avalanche payoff strategies side by side. Enter your debts, interest rates, and extra payment capacity — and see exactly when you'll be debt-free under each approach, with total interest savings calculated.
- Snowball vs. avalanche comparison with real numbers
- Visual payoff timeline for each debt
- Extra payment impact — see how $50/mo more changes everything
- Total interest savings breakdown between strategies
One free account. Every tool.
8
Tool Categories
20+
FI Planning Modules
750+
Podcast Episodes
4
Countries Supported
Start using these tools today
Create a free account and get instant access to every tool.
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FI Planner with 20 optional modules and scenario builder
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Track your cards, benefits, renewals, and point balances
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Coast FI Calculator integrated with your FI plan data
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Value Matrix to align spending with what matters most
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Debt Payoff Analysis — snowball vs. avalanche side by side
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750+ podcast episodes with timestamp comments
No credit card required. Free forever.
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Frequently Asked Questions
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One free account unlocks everything — FI Planner, Travel Rewards, Coast FI Calculator, Podcast Player, Health Tracker, Book Club, Value Matrix, and Debt Payoff Analysis.