Features
Every score your money earns, and the row behind it.
A verdict, a freedom index, a percentile, a ladder, a portfolio return and plan health — eight readings of one household, each computed on the server from your own figures and each traceable to the row it came from. None of them is written by a language model.
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?
−35%
the fall the 2008-style test applies, five years into retirement — the point where a crash costs most, because no salary is left to ride it out
+4 points
on every inflation rate for seven years, in the 1970s-style test. Prices stay at the higher level afterwards; inflation does not reverse
Age 95
where the ten-year longevity test takes the plan. It is the test that most often turns a comfortable-looking plan thin
2 years
with no income at all, in the redundancy test. Rent, school fees and loan payments carry on regardless
Retirement Tracker
Your corpus, year by year — and one word for whether it lasts.
Six verdicts from Critical to Ample, the corpus when you stop earning with its exact figure under the rounded one, and a computed sentence reconciling the two — because a corpus quoted in future money looks enormous next to a verdict saying it is not enough.
Tick any stress tests — a 2008-style crash, a 1970s inflation decade, a longer life, a career break, money abroad buying 15% less — and they compose into one line. Under it, a ledger with opening, growth, income, outflow and closing for every year of the plan.
Financial Freedom Index · Where you stand
A score out of 100, and where you sit among your country’s households.
Progress, 50%: what you hold against the number your own plan says you need. Trajectory, 30%: the age the projection actually reaches independence at, bisected out of the real year-by-year run. Resilience, 20%: emergency cover and the debt you carry. Five zones, from Just starting to Freedom in reach.
Beside it, a percentile against your own country’s household survey, per household and aged forward from the year it was collected. Where no survey exists you are told so — a percentile is never invented or borrowed from a neighbour.
Freedom Ladder
Where the corpus should sit, rung by rung.
Four cumulative rungs, not four pots. Survival is months of essentials you can reach the same day. Sustenance is runway if income stops. Sufficiency is the number itself, with a status — On track, Slightly behind, At risk, Red flag — against what it needs today. Surplus has no target, by definition.
It opens as soon as you have generated a plan — the quick start is enough. Coverage and fit stay separate readings, and the sliders — months of essentials, years of runway, share in growth assets — show what each change costs before you keep it.
Investment Performance
What you hold, measured against your own plan.
Stocks, ETFs and mutual funds on NSE, BSE, NASDAQ, NYSE, the London Stock Exchange and US and European funds, priced every weekday in their own currency. The headline is an XIRR set against the return your plan assumes, beside everything you hold, the gain on what you put in, and what markets added.
Then six readings scored out of 100, three of them judged against your own plan, years and currency; a ranked “What would move this”; and, once there is enough history, your whole plan re-run at the return you actually got.
Everything Investment Performance does →Action Items · Plan health
The parts of your plan that are still guesses, named.
A home with no upkeep priced in. No healthcare anywhere. One figure standing in for a whole life’s spending. Each flag quotes the benchmark it was measured against for your country and city — a rule that cannot cite one does not fire — and plan health sums up what is still open.
Ten short questions replace one spending figure you guessed, each opening empty with a Use typical button beneath it. Fix it, commit to it, or dismiss it; the choice is remembered, and nothing changes your plan until you press something.
Earned · spent · owed
The household’s money, not just the corpus.
What you earn with its savings rate, what you spend with its share of income, what you owe with the rate your own repayment schedule implies. Only one of the three is coloured, and each says what it was measured against — or that it has no benchmark.
Income, living expenses, life goals and loans each carry their own dates, and a plan confidence meter says how much of the projection rests on your figures rather than a country default — with its unanswered items as the list of what would sharpen it.
Plans across countries
Rows from anywhere. One plan, in the currency you will spend.
Where you earn today, where you will live when you stop working, and when you move. Every income, expense, loan and holding keeps its own country, dates and currency — any of 142 — and inflates at its own country’s rates until it ends.
Rates are checked against a second source before they are used, and a row with no rate stays in its own units and says so rather than quietly counting as zero.
Planning for a family across countries →See all of this against your own figures.
About two minutes to a first answer, and you can change every assumption we use. If the answer is uncomfortable, it is better to know now — that is the whole point of projecting it.
Start your plan