Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Portfolio Tracker · FIRE Planner · Money Manager · Family Finance · Niv · Freedom Ladder
Your family’s financial home.Every investment, every country, one currency. Free.
Nivritee is your family’s financial home: every investment in every country in one currency, your FIRE plan, your everyday money, your family in the picture, Niv beside you and a clear ladder to freedom. Free, so you can do what you love.
Six pillars, one plan
Six things every household needs to run its money — in one place.
Each one reads the same figures you enter once: what you hold, earn, spend and owe, in whichever countries and currencies they are in. Family-office thinking, free for every family.
FIRE Planner
FIRE calculator and planner
Your FI number, a 0–100 Financial Freedom Index, how you compare with households like yours, and how early you could stop.
FIRE Planner →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →Portfolio Tracker · multi-currency portfolio tracker
Every investment, in every country, in one currency.
Add stocks, ETFs and mutual funds from NSE, BSE, NASDAQ, NYSE and the London Stock Exchange, Indian, US and European funds, deposits in any of 142 currencies, provident funds and pensions, gold and property. Listed holdings are priced from each exchange’s close every weekday and converted into the currency you will spend.
The headline is your real return — XIRR, set against the return your own plan assumes — with six readings on concentration, spread and currency beneath it. No bank or broker login, ever.
How the Portfolio Tracker works →FIRE Planner · FIRE calculator and planner
Your FI number, your freedom score, and how early you could stop.
Eight answers give you a year-by-year projection to the end of your plan, a one-word verdict on whether the money lasts, your Financial Freedom Index out of 100, and where you stand among households of your age in your country.
Then break it on purpose: a 2008-style crash, a decade of inflation, a longer life, money abroad buying 15% less. Every figure is projected at your own country’s inflation — and medical and school costs at their own, faster rates.
How the FIRE Planner works →Money Manager · personal finance, benchmarked
What you earn, spend and owe — measured against where you live.
Income, living costs in ten categories, every loan and every big goal — school fees, a wedding, a home — each with its own dates and currency. Your savings rate, what your spending takes out of your income, and the rate each loan really costs you, worked out from its own repayments.
Spending is compared with the typical range for your country and city, and Action Items names whatever in your plan is still a guess, with the reference point it was measured against.
How the Money Manager works →Overview
What you earnSaving 17%
A year, before tax₹84.72L₹84,72,000- Each month
- ₹7,06,000
- Survives a job loss
- 3.5%
- Left over
- 17%
What you spendWorth a look
A year, today₹65.38L₹65,37,600- Of what you earn
- 83%
- The same life, later
- ₹1.6Cr
- Largest single line
- ₹27.24L · Rent in Dubai, 42%
What you owe
Still outstanding₹35L₹35,00,000- Paid a year
- ₹4.8L
- Of your income
- 5.7%
- Costliest rate
- 8.3% · Home loan
Family Finance · family finance for couples
Plan together, choose who sees what, and be ready for anything.
Your partner joins the same plan with their own sign-in. Each of you chooses whether the other can view or edit your side, and the plan shows you, your partner and the family together — two careers, two stop dates, one household.
Invite your CA, your lawyer or a trusted friend to see exactly what you choose, read-only. Everything you hold is already listed and already shared with the people who would need it — no spreadsheet to find, nothing to piece together.
How Family Finance works →Family Finance
PeopleWho is on your plan, and who can see it.
+ Add a person| Person | Age | Access |
|---|---|---|
| Your partnerPartner | 36 | JoinedPlanning together, with their own sign-in |
| Your motherParent | 64 | AcceptedSees: The family plan: every section and results |
| Your CAChartered Accountant | 51 | Pending approvalWaiting for your partner to approve · then it is emailed |
| A close friendTrusted friend | 40 | SentSent on 26 Sep 2026 · link valid until 10 Oct 2026 |
| Your brotherBrother or sister | 33 | Not invitedOn your plan · invite them to see it whenever you are ready |
Niv · free AI financial assistant
Ask Niv anything about your money. She runs the numbers, then explains.
Niv reads your portfolio, your spending, your buckets and your plan. Ask “what if I stopped at 52?” and she runs it on your own projection and reports both answers — she never does the arithmetic in her head.
She explains; you decide. She never recommends buying or selling anything, has nothing to sell you, and costs nothing.
What Niv can do →Nivritee — call me Niv
What if I stopped working at 52 instead?
Then it does not hold — your savings would run out at 81 rather than lasting to 90. Your first year without a salary would be 2040, when Higher education — Child 2 falls due, so you would draw 18.9% of your savings that year against 4.3% on your plan as it stands. That is the difference between Workable and Short.
Ran a what-if · independence age 52
Freedom Ladder · a four-bucket strategy
How much belongs in each bucket — and whether it is there.
Your money in four buckets: Survival you can reach today, Sustenance so a bad year never forces a sale, Sufficiency — your FI number — and Surplus beyond it. Each target is worked out from your own spending.
The rungs are cumulative, so the top of the Freedom Ladder is your FI number. Each rung says how much is enough and whether the money is in something that rung can actually use.
How the Freedom Ladder works →What only Nivritee does
Trackers track. Calculators calculate. Nivritee does both, for a whole family.
Portfolio trackers do not plan, FIRE calculators do not know what you hold, budgeting apps stop at this month, and document vaults hold no figures. See the full comparison →
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Fourteen markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
| Kind of app | Portfolio Tracker | FIRE Planner | Money Manager | Family Finance | Niv | Freedom Ladder |
|---|---|---|---|---|---|---|
| Portfolio trackers | Yes | No | No | Partly | Partly | No |
| FIRE calculators | No | Yes | Partly | Partly | No | No |
| Budgeting apps | Partly | Partly | Yes | Partly | Partly | No |
| Document vaults | No | No | No | Partly | No | No |
| Nivritee | Yes | Yes | Yes | Yes | Yes | Yes |
Bring your family’s money home.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free