Question 1

What is Nivritee?

Accepted Answer

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. It rests on six pillars: the Portfolio Tracker (multi-currency portfolio and net-worth tracker), the FIRE Planner (fire calculator and planner), the Money Manager (personal finance for income, spending, loans and goals), the Family Finance (family finance for couples, with sharing you control), the Niv (free ai financial assistant), the Freedom Ladder (a four-bucket strategy for your money).

Question 2

Can I track investments in several countries in one currency?

Accepted Answer

Yes. Stocks, ETFs and mutual funds on NSE, BSE, NASDAQ, NYSE and the London Stock Exchange, Indian, US and European funds, deposits in any of 142 currencies, pensions, gold and property are held in one plan and valued in the currency of the country you will live in. Listed holdings are priced from each exchange’s daily close. There is no bank or broker login: you add holdings yourself.

Question 3

What is financial independence planning?

Accepted Answer

Working out whether what you have saved, plus what you will save, can cover what you will spend for the rest of your life — accounting for inflation, investment returns and one-off costs like education. Nivritee’s FIRE Planner projects this year by year rather than applying a rule of thumb, and gives a Financial Freedom Index out of 100.

Question 4

Can my partner and my accountant see our plan?

Accepted Answer

Your partner can join the same plan with their own sign-in, and each of you chooses whether the other can view or edit your side. You can also invite a Chartered Accountant, a lawyer or a trusted friend to see exactly what you choose, read-only, and withdraw that access at any time.

Question 5

Is Niv an AI financial advisor?

Accepted Answer

No. Niv is a free AI financial assistant: she reads your plan, runs what-ifs on the same projection engine and explains the result in plain words. She never recommends buying or selling anything and has nothing to sell. Decisions, and any regulated advice, stay with you and a licensed professional.

Question 6

Does the country I live in change the answer?

Accepted Answer

Substantially. Inflation, investment returns, medical and education cost growth, and statutory savings schemes differ by country, and a figure is only meaningful against the conditions where the money is actually spent. Nivritee plans in the currency and assumptions of the country you will be living in, across eleven markets.

Question 7

What if I live in one country and plan to settle in another?

Accepted Answer

That case is built in. You say where you earn and spend today, where you will be living when you stop working, and when you move. The second fixes the single currency every figure is reported in; the first is what your spending today is judged against. Income, expenses, loans, deposits and holdings each keep their own country, dates and currency, and are converted once, before anything is computed.

Question 8

How long does it take to get a first answer?

Accepted Answer

About two minutes. A country and seven figures produce a complete projection, and you add detail afterwards against a result you can already see rather than before you see anything.

Question 9

Do I need an account?

Accepted Answer

Yes. You sign in with Google or with an email address and password, so your plan is saved to your account and is still there when you come back — on any device, without re-entering anything. With Google, we ask for your name and email address and nothing else.

Question 10

Can anyone at Nivritee see what I enter?

Accepted Answer

No. There is no internal tool that displays a plan, because one was never built. The administrative panel shows usage counts and never a figure, and no email we send carries an amount or a verdict from a plan — at most how things moved, in percentages.

Question 11

Is this financial advice?

Accepted Answer

No. Nivritee is an informational planning tool and does not constitute financial, tax or legal advice. Every figure it produces is a projected estimate under stated assumptions, not a prediction of what will happen.

Age	Stage	Opening	Growth	Income	Outflow	Closing
54	Working	₹7.22Cr	+₹81.5L	₹1.4Cr	−₹98.7L	₹8.45Cr
55	Retired	₹8.45Cr	+₹58.2L	—	−₹29.75L	₹8.73Cr
56	Retired	₹8.73Cr	+₹60.15L	—	−₹30.94L	₹9.02Cr

Other apps do a piece. Nivritee is the whole picture.

Everything your family’s money needs, in one free app.

Which kind of money app does which job.

What you hold today feeds when you could stop.

Not one feature — the combination, in one free plan.

Every country, one currency

Tracking and planning, joined up

Built for a family, not one login

Benchmarked against your country

An assistant that runs the real numbers

Free, with nothing to sell

Choosing a portfolio tracker or a FIRE calculator.

What is the best portfolio tracker for NRIs?

Is there a free alternative to Kubera?

What is the best FIRE calculator?

Can my partner and my accountant use it too?

Is Nivritee affiliated with any of these apps?

Bring the pieces together.

What you get	NivriteeFree	KuberaUS$250 a year	SharesightFrom US$7 a month	ProjectionLabUS$129 a year for Premium	MonarchUS$99.99 a year	StocksCafeFrom US$3.08 a month	ArgaamUS$29.99 a month	Value ResearchFree tracker; paid advice from ₹4,900 a year
Holdings from several countries in one currencyStocks and mutual funds from more than one country’s exchanges, priced and added up in one home currency.	Yes	Yes	Yes	No	No	Partly	Partly	Partly
FIRE projectionA projection of when you could reach financial independence, from your own figures.	Yes	Partly	No	Yes	Yes	No	No	Partly
Peer comparisonWhere you stand against households of your age in your country, as a percentile.	Yes	No	No	No	No	No	No	No
Spending and loans benchmarked by countryYour spending and loans compared with a typical range for your country, with inflation per kind of cost.	Yes	No	No	No	No	No	No	No
Couples with separate logins and permissionsEach partner signs in separately and chooses what the other can see or change.	Yes	Partly	Partly	Partly	Partly	No	No	Partly
Read-only sharing with your accountant or lawyerGive a professional or a trusted person view-only access to what you choose.	Yes	Yes	Yes	Partly	Partly	Partly	No	No
Bucket-strategy viewYour money split into buckets by when it will be needed, with how much belongs in each.	Yes	No	No	No	No	No	No	No
AI assistant over your own dataAsk questions in plain language and get answers from your own accounts or plan.	Yes	Yes	No	No	Yes	Partly	No	No
Free for the core featuresThe main features work without a paid plan.	Yes	No	Partly	Partly	No	Partly	Partly	Yes

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