If one of you is gone
They knew there was money. Not where.
Accounts nobody knew to claim, a policy nobody knew existed, a fund in a country nobody thought to ask about. A family that has seen the plan knows what to look for and where.
For families · Plan together · Family & sharing
Most families know there is money. Few know where.
A savings account in one country, a fund in another, a provident fund from an old job, the gold, the loan — usually known in full by one person. Plan it together, with a view for each of you, and let the people who would need to know see it, before the day they need to.
If something happened tomorrow
- Where the money is5 listed holdings on 4 markets (NSE, AMFI, NYSE, LSE) · 2 deposits in two countries · EPF and NPS · gold
- How much there is₹1.86Cr held today, ₹73.93L of it in your partner’s own name
- What is owed, and to whomHome loan · ₹48L outstanding · paid off 2039
- What it was all forIndependence at 55, living in Pune on ₹1.25L / mo
- Who already knowsYour partner, with their own sign-in · your mother, who sees the family plan
One plan, three views
Your money, your partner’s, and the two of you together.
A household is two people, not one pot. Every row says whose it is — yours, your partner’s, or shared — and a shared cost is typed once, at its full amount, with a split. Your plan is your own money and your share of anything shared. Your partner’s plan is theirs. The family plan is the two together, and it is read-only, so nothing is ever entered twice.
The three add up — yours plus your partner’s is the family, to the rupee, on every screen. Each view gets its own reading, so you can see what each of you holds, owes and is on track for on your own, not only as a couple.
Whose plan
| Reading | Your plan | Your partner’s plan | Family plan |
|---|---|---|---|
| Working | Until 55 | Not earning | Both, together |
| Earns | ₹1.18Cr | — | ₹1.18Cr |
| Holds | ₹1.12Cr | ₹73.93L | ₹1.86Cr |
| Spending share | 50% | 50% | 100% |
| Owes | ₹24L | ₹24L | ₹48L |
| Outcome | Their own | Their own | Workable · lasts to 90 |
Two careers, two clocks
When you stop at different times, the compounding does too.
Couples rarely stop working on the same day. One may be younger, one may stop earlier to care for a parent or a child, and one may not be earning at all. A plan that treats the household as one salary with one retirement date is wrong in the years that matter most: it keeps adding contributions that stopped, and it misses money that is still growing.
Here each of you keeps your own age, your own working years and your own stop. Household income steps down as each of you stops rather than all at once, money in a non-earning partner’s name keeps compounding and is counted once, and the plan runs to whichever of you is expected to live longer — because the money has to last as long as the longer life, not the average one.
Retirement Tracker · Family
YouWorking 38 → 55 · then living on the corpus
Your partnerNot earning today · ₹73.93L in their own name, still compounding
Family plan · corpus at 55₹7.64CrWorkable · lasts to 90
Why it matters
The worst day to find out is the day the one who knew is not there.
In most families one person keeps the finances in their head, their phone and their email. Nobody plans for that person to be missing — and so nobody else knows where anything is when it matters.
If one of you cannot manage it
A long illness, a disability, a long absence.
The bills still arrive and the loan still falls due. A partner who already keeps their own side up to date — and a parent or CA who can see it — can carry on without guessing.
If nobody was ever shown
Knowing is not the same as understanding.
A list of accounts is not a plan. Seeing the corpus, the ladder and the verdict together is how a partner, a parent or a grown-up child learns what the money is for and how long it lasts.
If it is simply a hard day
Nobody should have to reconstruct a life from paperwork.
The people you trust already know what exists, what is owed and whom to call. That is the whole of what preparing for the worst day asks — and it helps on every other day too.
Family & sharing
Invite the people who would need to know.
Your partner joins with their own sign-in and keeps their own side up to date — each of you decides whether the other can view or also edit your side. Parents, brothers and sisters and anyone else in the family can be invited to look, and so can the people a family leans on: your Chartered Accountant, your lawyer or a close friend.
Everyone is in one table with where their invitation stands — sent, pending approval, accepted, declined or expired — and one button for the next step. On a plan of two, nobody new sees it, and nobody sees more of it, until both of you agree. Seeing less never needs anybody’s approval.
Family & sharing
PeopleWho is on your plan, and who can see it.
+ Add a person| Person | Age | Access |
|---|---|---|
| Your partnerWife | 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 |
A map, not a will
What exists, where it is held, and what it is for.
Everything the household holds, grouped as the app groups it: retirement schemes, bank deposits in whichever country they sit, listed investments on the exchange that prices them, gold and property — and, in Liabilities beside it, every loan with what is still owed and when it ends. Each is in its own currency and converted once into the one you will spend.
It moves no money and gives nobody access to an account — it is not a will and does not replace a nomination. It is what makes those documents usable: the people you trust know what to look for, where, and roughly how much, instead of discovering it one statement at a time.
Investments
- India retirement schemes₹18LEPF₹11.4LNPS₹6.6L
- Cash savings & bank deposits₹36LSavings account · UAE · AED 62,000₹14.07L₹5.4L set aside as the emergency fundFixed or term deposit · India₹21.93L
- Market investments₹1.2CrListed holdings · 5, on 4 markets₹96LNot listed · typed as one figure₹24L
- Metals & jewellery₹12LGold jewellery₹12L
- PropertyNot countedFlat in Pune · where you will live₹90LYour home — net worth, not corpus
Everything you hold ₹1.86CrCounted toward your independence corpus ₹1.81Cr
Involved, not just informed
Show them how it works while you are here to explain it.
The best time for a partner, a parent or a grown-up child to learn how the family’s money works is a quiet evening, not a crisis. Viewing the plan shows them the verdict, the index, the ladder and the stress tests on the household’s own figures — what the money is for, how long it lasts, and what would move it.
A partner who keeps their own side learns by doing it. A parent who can see the family plan stops worrying in the dark. A CA who can see the whole picture gives better advice. Nobody has to become an expert — they only have to have seen it before.
Nivritee
- OverviewYour financial freedom outcomeWorkable4 of 6Does the money last to 90?
- Retirement TrackerFinancial freedom index61/100Solid footingHow far along, how fast, how sturdy.
- Retirement TrackerWhere you stand81stpercentileAgainst households in India, aged forward.
- Freedom LadderSufficiency39%fundedSlightly behindIs the money where each job needs it?
- Investment PerformanceReturn against your plan12.4%a year+1.4 vs 11.0%Is what you hold earning what the plan assumes?
- Investment PerformanceHow the money is arranged74/100Six readings: spread, currency, concentration…
- Action ItemsPlan healthAttention needed2 openWhat in the plan is still a guess?
- OverviewHow complete this plan is82%DetailedHow much rests on your own figures?
Private, even when shared
You choose who sees what. We see none of it.
Each person sees only the plans and sections you grant, read-only, and never your conversations with Niv. Invitations are single-use, work only for the invited address and expire after 14 days. Every email carries names and roles, never a figure. Change what someone sees, or remove them, and it applies on their next click.
Nobody at Nivritee can open a plan at all — shared or not. There is no internal screen for it, because one was never built.
How we handle your data →Questions families ask
Planning together, and sharing it safely.
Can my partner see everything I have entered?
You decide. A partner who joins with their own sign-in is an equal co-owner of the plan, and each of you chooses whether the other can view or also edit your own side. The family plan — the two of you together — is read-only for both, so a figure is always typed where it belongs.
My partner does not work. Do they still need their own view?
Especially then. Money in their own name — a deposit, gold, a fund — is theirs, keeps compounding, and is exactly what they would rely on if something happened to you. Their view shows what they hold on its own; the family plan counts it once, with everything else.
What can a parent, a CA or a lawyer see?
Only what you choose, and only by looking. Each person gets a single-use invitation for their own email address. You pick which plans and which sections they see, and whether they see results. They can never change a figure and never see your conversations with Niv. You can narrow or remove their access at any time, and it applies on their next click.
If I invite someone, do you email them my figures?
No. No email from Nivritee carries a figure from a plan. An invitation says who invited them and in what role, with a link that works once and only for their address. Everything else stays behind a sign-in.
Is this a will, or does it give anyone access to my accounts?
Neither. It tells the people you choose what exists, where it is held, what is owed and what it was all for. It moves no money and replaces no will or nomination — it is the map that makes those documents usable, and a reason to keep them up to date.
What happens if we separate, or one of us deletes their account?
Either of you can stop planning together at any time. Shared rows and joint holdings are split by their shares, each of you keeps your own side, and everyone else who could see the plan loses access. If one of you deletes their account, their own figures are erased and the plan carries on with the other.
Make sure they would know.
Free, with no bank or broker login. About two minutes to a first plan; then add your partner, and invite the people who would need to know.
Start your plan