Track Your Path to Financial Independence with My FI Vista
Design your personalized path to financial independence with our free tools and trackers. Gain a clear view of your progress, see each milestone along the way, and stay focused on your vision of financial freedom.
Financial Tools & Calculators
Investment & Retirement Calculator
Plan your path to financial independence by projecting your investments, savings growth, and retirement timeline.
- Separate retirement and non-retirement plans to track each goal independently
- Add custom one-time or recurring deposits for any month
- View safety, target, and reach projections to understand different outcomes
- Compare planned vs. actual progress and milestone achievements
- Switch between monthly and annual views for tables and charts
- Keep your data private — stored only in your browser
FI Number & Withdrawal Simulator
Estimate how much you need to reach financial independence and explore how your portfolio might perform through retirement.
- Calculate your FI Number based on annual expenses and withdrawal rate
- Simulate portfolio growth and withdrawals over time
- Toggle between fixed or adaptive withdrawals based on your balance
- See how investment returns and spending affect your long-term balance
- Compare different withdrawal and return rate scenarios
- Keep your data private — stored only in your browser
Loan Amortization Calculator
Understand your mortgage or loan payments, payoff schedule, and potential savings with extra payments or refinances.
- Calculate monthly payments and payoff schedules for any loan
- Add extra monthly, annual, or lump-sum payments to see potential savings
- Compare original vs. adjusted loan terms to visualize payoff impact
- View detailed amortization tables and charts by month or year
- Estimate total interest and time saved from additional payments
- Keep your data private — stored only in your browser
About This Site
My FI Vista is built to help you plan, track, and stay motivated on your journey toward financial independence. It combines interactive calculators, educational articles, and a privacy-first approach — giving you insight and control without requiring an account or storing your data on external servers.
All of your data is stored directly in your browser, meaning your information stays private and under your control at all times.
Launched in late 2025, My FI Vista is a work in progress. New calculators, tools, and articles will continue to be added over time to help you refine your plan and move closer to financial freedom.
Recent Articles
How Much Is Enough? Finding Your FI Number.
11/3/2025
When you think about reaching financial independence, it can feel a little abstract — like a destination that’s hard to picture. But what if you could put an actual number to it? Your FI number is that target. It represents how much you need invested to cover your living expenses for the rest of your life. Once you know that number, the journey becomes a lot clearer.
Read More →
Two Paths to Freedom.
10/20/2025
Building wealth isn’t about luck or major windfalls. Through the story of two twins with identical beginnings, learn how a single everyday decision can determine whether you fall into years of debt or build real financial freedom.
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15-Year vs 30-Year Mortgage
10/14/2025
Buying a home is both a lifestyle choice and a long-term financial decision. The mortgage you choose can determine whether you’re debt-free in 15 years or still making payments when you’re close to retirement. Understanding how loan terms affect your monthly budget and long-term wealth can help you make the right call.
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Retiring Early: Planning How You'll Spend Your Time.
10/6/2025
Retiring early isn’t just about reaching financial independence — it’s about designing a life that feels meaningful once you get there. Many people plan meticulously for the numbers but overlook what they’ll actually do with their newfound freedom.
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Why Achieve Financial Independence?
10/2/2025
Imagine not having to worry about bills, working only because you want to, or retiring early and reclaiming years of your life to spend however you choose. For many, this feels like a distant dream — but financial independence is not out of reach.
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Why make a financial plan?
9/10/2025
Life is unpredictable and rarely goes exactly as we expect, so why spend time making a plan? The answer is simple — planning doesn’t guarantee a perfect outcome, but it gives you direction, structure, and a way to adjust when things change.
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