Ten years ago
A calculator after a dinner-table argument
How much is enough to stop working? One evening, one set of friends, and a calculator built to find out — the first version of the question this product answers.
About us · your family’s financial home
A financial home for your family. Nobody reads it — not even us.
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. We built the calculation, published every rate that goes into it, and built nothing that lets a person read your figures.
What happens to what you type
- Encrypted in transit and at rest. TLS everywhere, AES-256 at rest.
- Never seen by a person. There is no internal tool that displays your finances, because we did not build one.
- Never sold, never pooled. Used to compute your plan and nothing else.
- Yours to delete. A hard delete, not a flag.
0 screens
in this company that can display your plan or your holdings. The viewer was not restricted — it was never built, and a test fails the build if one appears
0 amounts
in any email we send. Not a corpus, not an age, and above all not the verdict — at most how things moved, in percentages
0 partners
no figure, rate or verdict leaves this system attached to a name. There is nobody for us to introduce you to
$0
for the Portfolio Tracker, the FIRE Planner and its stress tests, Family Finance, the Freedom Ladder and Niv. There is no paid tier holding the answer
Your data · private by construction
Never seen by a person, by construction.
There is no internal tool that displays what you enter — not your plan, not a holding, not a transaction. The administrative panel shows counts, timestamps and the names of fields somebody edited, and a test fails the build if an amount, a rate, an age or a verdict ever reaches it.
No email carries an amount from your plan. The price job fetches a security’s close without knowing who holds it. Encrypted in transit and at rest, never sold, never pooled, never used to train anything — and deletion is a hard delete of plan, holdings, conversation and account.
Read the privacy policy →Who built this
A personal problem, worked on for ten years.
Nivritee was built by Amit Goel, a product builder with twenty-four years of shipping technology products — today Chief Product Officer at Moving Walls, before that product leadership at The Trade Desk, Amagi and Knowlarity, and founder of his own company, Patterbuzz. It is also the answer to a question he has been asking himself for a decade.
About ten years ago, at dinner with friends, an argument started about how much is enough to stop working — and nobody could settle it. So he built a calculator that night to try. It did not settle it either, because it could not know the one thing that mattered: what his own life would cost, at its own inflation, in the place he would be living it.
The name is the point. Nivritee is from the Sanskrit निवृत्ति — freedom from obligation. To him it meant freedom from depending on a job: the day you can do what you love — for him, building products — without worrying about what happens if it fails.
Amit Goel
Founder, Nivritee
Twenty-four years building technology products · Chief Product Officer at Moving Walls · before that The Trade Desk, Amagi and Knowlarity · founder of Patterbuzz · IIM Bangalore
The long way round
Everything here was learned with real money first.
Nivritee is the tool he wanted at each of these steps and could not find — one place that shows the whole household, in every country, against what the money actually earns, without selling anything.
The hard way
Investing, losing, winning, learning
Angel investments in startups. Stocks on NASDAQ, the Hong Kong exchange and India’s. Mutual funds. Some went well and some did not, and every one of them taught something a brochure never did.
Paying for advice
A wealth adviser, for a few years
A wealth-advisory and portfolio-management firm, paid in commissions, to manage income and investments. The lesson: for someone who knows the fundamentals and has a moderate appetite for risk, the fees buy very little that careful planning does not.
Then AI
The tool, finally built
AI made it possible for one builder to do what used to need a team: a real engine, fourteen countries, ten markets and an assistant who will not invent a number. That became Nivritee.
What we believe · family-office thinking, free
Independence is the goal. Stopping work is one thing it pays for.
The number is a floor, not a finish line. Below it, your options are set by your next payslip. Above it, they are set by you — and most people who cross it keep working, differently.
That is why Nivritee is a home for a whole family’s money rather than a calculator for one pot: what you hold in every country, what you spend, who shares the plan and how long it lasts, in one place. Family-office thinking, free for every family.
The six pillars →
What we will not do
The limits, stated up front.
We are not licensed advisers and this is not advice. We do not model tax, we do not run Monte Carlo simulations, we do not connect to your bank or broker, we do not recommend a product, and we will never introduce you to somebody who sells one. Niv, the AI assistant, runs the numbers and explains them; she names no security to buy or sell.
Every figure is a projected estimate under assumptions you can see and change — not a prediction. If a rate looks wrong or a market is missing, tell us which figure and on which page: a rate or a market is a data change, not a code change. Deleting your account is done from inside the app, and it is final.
What only Nivritee does
Tracking, planning and sharing, for a whole family, free.
Portfolio trackers do not plan, FIRE calculators do not know what you hold, and budgeting apps stop at this month. 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.
Questions about us
Who we are, what it costs, and what we can see.
Who built Nivritee?
Amit Goel, a product builder with twenty-four years of shipping technology products. It began about ten years ago as a calculator built after a dinner-table argument about how much is enough to stop working, and grew through a decade of learning with his own money — angel investments, stocks on three exchanges, mutual funds and a few years with a paid wealth adviser.
Can anyone at Nivritee see my figures or my holdings?
No. There is no internal tool that displays a plan, a holding or a transaction, because one was never built. The administrative panel shows usage counts, timestamps and the names of fields somebody edited — never an amount, a rate, an age or a verdict.
Do you connect to my bank or broker?
No. There is no account linking, no broker login and no statement upload. You add what you hold once, and the price of each security is fetched from the exchange without knowing who holds it.
Is Nivritee free?
Yes. The Portfolio Tracker, the FIRE Planner and its stress tests, the Money Manager, Family Finance, the Freedom Ladder and Niv are all included. There is no paid tier holding the answer behind it.
Is Niv an AI financial advisor?
No. Niv is an AI assistant: she reads your plan, runs what-ifs on the same engine that drew your chart and reports both figures, and explains. She never recommends buying or selling anything, and any change she suggests stays a button until you press it.
Is this financial advice?
No. Nivritee is an informational planning tool and does not constitute financial, tax or legal advice. Every figure is a projected estimate under stated assumptions, not a prediction. Speak to a licensed professional before acting on anything here.
Bring your family’s money home.
About two minutes to a first answer from eight figures, and you can change every assumption we use. Free, no bank login, and nobody at Nivritee can open your plan.
Start free