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.
Features · all six pillars
Six pillars, one set of figures, and the row behind every reading.
A portfolio tracker, a FIRE planner, a money manager, family finance, an AI assistant and a four-bucket strategy — each reading the same figures you enter once, each computed on the server from your own plan, and each traceable to the row it came from.
Nivritee
- OverviewYour financial freedom outcomeWorkable4 of 6Does the money last to 90?
- FIRE PlannerFinancial freedom index51/100Building momentumHow far along, how fast, how sturdy.
- FIRE PlannerWhere you standTop 2%by net worthAgainst households in India, aged forward.
- Freedom LadderSufficiency16%fundedSlightly behindIs the money where each job needs it?
- Portfolio TrackerReturn against your plan12.7%a year+3.1 points vs 9.6%Is what you hold earning what the plan assumes?
- Portfolio TrackerHow the money is arranged90/100Well arrangedSix readings: spread, currency, concentration…
- Action ItemsPlan healthAt risk8 openWhat in the plan is still a guess?
- OverviewHow complete this plan is70%Taking shapeHow much rests on your own figures?
Portfolio Tracker · multi-currency portfolio tracker
Every investment, every country, one currency — measured against your own plan.
Stocks, ETFs and mutual funds on NSE, BSE, NASDAQ, NYSE, the London Stock Exchange and the Stock Exchange of Thailand, Indian, US, European and Thai funds, priced from each exchange’s daily close. Beside them, deposits in any of 142 currencies, provident funds and pensions, metals and jewellery, and property. A SIP is entered once and its instalments are added for you.
The headline is your XIRR set against the return your plan assumes, with six readings beneath it — diversification, market spread against the currency you will spend, and more — and, once there is enough history, your whole plan re-run at the return you actually got.
Every income, expense, loan and goal can keep its own country and currency too, inflating at that country’s rates and converted once into the currency you will spend. Planning across countries →
How the Portfolio Tracker works →Portfolio Tracker
How the money is arranged
Well arranged90out of 100
- Return against your plan81 · StrongReturning 12.7% a year against the 9.6% your plan assumes, over 4.3 years.Measured against the 9.6% a year your own plan projects with
- Concentration98 · StrongSovereign Gold Bond is 11.0% of what you have listed — the largest single holding outside funds. Nothing here depends on one holding going well.Measured against your largest single-company position, against what you have listed
- Priced daily56 · Sound55.9% of what you hold is priced by a market every day. The rest is a figure you typed, and it moves only when you change it.Measured against how much of your money a market prices — a reading about this page, not about your investing
- Spread across asset classes100 · StrongHeld across 4 of seven classes, weighted as if across 2.5 — and with 17 years left, 2.2 is the spread this reading looks for. Shares and funds is 58.5% of everything you hold.Measured against how many classes your money is spread over, against the 2.2 this reading looks for with 17 years left
- Markets and currencies100 · Strong4 markets, with NYSE carrying 35.3%. 52.5% of it is already in INR.Measured against which markets your listed money is in, against the INR you will be spending
- Regular contributions100 · StrongMoney went in on 24 of the last 24 months, and a SIP is running. This is the one of the six you control every month, and it is the one doing the most work.Measured against how often money actually goes in
FIRE Planner · FIRE calculator and planner
Your FI number, year by year — and one word for whether the money lasts.
A year-by-year projection to the end of your plan, with a verdict from Critical to Ample, your FI number, and the age the projection reaches it. Tick any of eight stress tests — a 2008-style crash, a 1970s inflation decade, a longer life, a career break — and they compose into one line, with a ledger under it you can read a year at a time.
Beside it, the Financial Freedom Index out of 100 and a percentile against households of your age in your own country — never invented where no survey exists. Two partners can stop at different ages, and a move abroad is priced at the new country’s rates.
How the FIRE Planner works →FIRE Planner
Your corpus, year by year
Workable Lasts, with a modest cushion
Savings when you stop earning₹6.96Cr₹6,95,50,197≈ ₹3.57Cr in today’s money
What if things go wrong? Your plan A 2008-style crash + your money abroad buys 15% less
- A 2008-style crashRuns out at 80
- Your money abroad buys 15% lessLasts to 90, ₹4.27Cr lower
- Both togetherRuns out at 78
| Age | Stage | Opening | Growth | Income | Outflow | Closing |
|---|---|---|---|---|---|---|
| 54 | Working | ₹6.14Cr | +₹59.92L | ₹1.2Cr | −₹98.7L | ₹6.96Cr |
| 55 | Retired | ₹6.96Cr | +₹53.69L | — | −₹29.75L | ₹7.19Cr |
| 56 | Retired | ₹7.19Cr | +₹55.53L | — | −₹30.94L | ₹7.44Cr |
Money Manager · personal finance, benchmarked
What you earn, spend and owe — and which parts are still guesses.
Income, living costs in ten categories, every loan and every big goal, each with its own dates. What you earn with its savings rate, what you spend as a share of income, and what you owe at the rate your own repayments imply. Spending is set against the typical range for your country and city, and each class of cost inflates at its own rate.
Action Items name what is still an estimate — a home with no upkeep priced in, no healthcare anywhere — each quoting the reference point it was measured against. Fix it, commit to it or dismiss it; nothing changes your plan until you press something.
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
A view for each of you, one for the family — and read-only access for your CA.
Your partner joins the same plan with their own login. Every row says whose it is — yours, your partner’s or shared, with a split — so your view, your partner’s and the family view each have their own reading, and the two add up to the family exactly.
Each of you chooses whether the other can view or edit your side. Invite your CA, your lawyer or a trusted friend read-only, choosing exactly what they see, and withdraw it any time. Your partner already has the whole picture, so nothing has to be found or explained later.
How Family Finance works →Whose plan
| Reading | Your plan | Your partner’s plan | Family plan |
|---|---|---|---|
| Working | Until 55 | Not earning | Both, together |
| Earns | ₹84.72L | — | ₹84.72L |
| Holds | ₹71.44L | ₹42.9L | ₹1.14Cr |
| Spending share | 50% | 50% | 100% |
| Owes | ₹17.5L | ₹17.5L | ₹35L |
| Outcome | Their own | Their own | Workable · lasts to 90 |
Niv · free AI financial assistant
Ask Niv a what-if. She runs it on your plan and reports both figures.
Niv reads your portfolio, your money cards, your buckets, your Financial Freedom Index and your Action Items. Ask what happens if you stop two years later and she runs the engine on your own projection — she never does arithmetic in her head.
She explains; you decide. A change she suggests is a button you press, she never recommends buying or selling a security, and she 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.
The Freedom Ladder is a four-bucket version of the bucket strategy, and the buckets are cumulative. Survival is months of essentials you can reach the same day. Sustenance is runway, so a bad year never forces a sale. Sufficiency is your FI number itself. Surplus is whatever lies beyond it.
It opens as soon as you have generated a plan — the eight-answer quick start is enough. Each rung says how much is enough and whether the money is in something that rung can use, and the sliders show what each change costs before you keep it.
How the Freedom Ladder works →Freedom Ladder
Cumulative, not four separate pots: everything you hold counts toward the rung it reaches and toward every rung above it. Illustrative figures, for one household.
What only Nivritee does
Trackers track. Calculators calculate. Nivritee does both, for a whole family.
Each pillar exists somewhere on its own. Nivritee puts all six on one set of figures, across countries, for two people — free. See the full comparison →
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 |
Questions
What people ask about the features
Is Nivritee a portfolio tracker or a FIRE calculator?
Both, reading the same figures. The Portfolio Tracker values what you hold across countries in one currency, and the FIRE Planner projects from those same holdings when you could stop — so adding a holding moves your FI age without a second copy of anything.
Do I have to connect my bank or broker?
No. There is no account linking, no statement import and no credential of any kind. You add holdings by searching for them, and listed ones are priced from each exchange’s daily close; a SIP is entered once and its instalments are added automatically.
What is the Financial Freedom Index?
A score out of 100 built from progress toward your own FI number, the age your projection reaches independence at, and resilience — emergency cover and debt. It sits beside a percentile against households of your age in your country, where that country publishes a survey.
Is Niv an AI financial advisor?
No. Niv is a free AI financial assistant: she reads your plan, runs what-ifs on the real projection and explains what changed. She never recommends buying or selling anything, and every decision is yours.
Can my partner and our accountant use it too?
Yes. Your partner joins the same plan with their own login, and each of you chooses whether the other can view or edit your side. A CA, a lawyer or a trusted friend can be invited read-only, seeing exactly what you choose.
How much does it cost?
Nothing. Free, with no paid tier, no commissions and no products to sell. Nobody at Nivritee can open your plan.
See all six against your own figures.
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