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FIRE Planner · FIRE calculator and planner

Your FI number, and how early you could stop.Free. About two minutes after sign-up, from eight answers.

Create a free account, answer eight questions — your country, three ages, what you earn, spend and have saved — and the FIRE Planner projects your household year by year to the end of your plan: an FI number, a plain verdict on whether the money lasts, a Financial Freedom Index out of 100 and where you stand among households like yours.

Start freePick your country

3.24×

what the same month of spending costs after thirty years at 4% a year — the rate India’s central bank targets. Nothing about the life changed

6 years

for a medical bill to double at India’s 12% trend. A grocery bill takes eighteen. Most plans price both at one rate

30 years

of spending with no salary behind it, if you stop at 60 and live to 90. That is the bill all of this is about

+33%

more corpus after thirty years from one extra point of return — 7% against 6%. Both assumptions are shown, and both are yours to change

FIRE Planner · year-by-year projection

Your FI number, and a projection you can read a year at a time.

Your FI number is what your savings must reach to pay for the life you plan once the salary stops: your own spending at that age, divided by your country’s withdrawal rate, plus your goals and any loan still running, less income that keeps paying. The projection runs to life expectancy, each cost rising at its own rate — school fees and medical bills faster than groceries.

It ends in one word: Critical, Short, Tight, Workable, Comfortable or Ample, with a sentence joining that word to the figure. Every row of the ledger is there to check: opening balance, growth, income, spending, closing balance.

How the projection works →

FIRE Planner

Your corpus, year by year

Workable Lasts, with a modest cushion

Savings when you stop earning₹8.45Cr₹8,44,77,725≈ ₹4.34Cr in today’s money
What if things go wrong? Your plan A 2008-style crash + your money abroad buys 15% less
Independence at 55Runs out at 8238557090
  • A 2008-style crashRuns out at 83
  • Your money abroad buys 15% lessLasts to 90, ₹3.96Cr lower
  • Both togetherRuns out at 82
AgeStageOpeningGrowthIncomeOutflowClosing
54Working₹7.22Cr+₹81.5L₹1.4Cr−₹98.7L₹8.45Cr
55Retired₹8.45Cr+₹58.2L—−₹29.75L₹8.73Cr
56Retired₹8.73Cr+₹60.15L—−₹30.94L₹9.02Cr
An illustrative household: Two adults, 38 and 36, two children, earning in Dubai and settling in Pune. Every row is computed on the server from the plan’s own figures and rates.

Financial Freedom Index · your score out of 100

A score from 0 to 100, and where you stand among households like yours.

The Financial Freedom Index weighs how far you are toward your FI number, the age the projection actually reaches independence at, and your emergency cover and debt. It reads in five zones: Just starting, Building momentum, Solid footing, Strong footing and Freedom in reach.

Your peer percentile sets your household’s net worth against households of your age in your country’s own survey, aged forward to today. Malaysia, Singapore and Hong Kong publish household income rather than wealth, so there it compares income, and the card says so.

What each reading means →

Financial freedom index

51Building momentum
  • Progress 50% of the score 21What you have, against the number this plan says you need.
  • Trajectory 30% of the score 100The age the projection actually reaches independence at.
  • Resilience 20% of the score 50Emergency cover and how much debt you are carrying.

An illustrative household. Your own score is computed from your plan and stored, not estimated.

The cost of waiting

Compounding rewards starting early far more than it rewards saving harder later.

₹10,000 a month at 7% a year, to age 65. Same contribution, same rate, same finish line — the only variable is when it began. Illustrative and rounded; your own plan uses your figures and your market’s rates.

Start at 25

40 years of growth

₹2.6 Cr

Start at 30

35 years of growth

₹1.8 Cr

Start at 35

30 years of growth

₹1.2 Cr

Start at 40

25 years of growth

₹81 L

Stress tests · what would move this

Break the plan on purpose, then see what would move it.

Eight stress tests — a 2008-style crash, a sustained inflation shock, two years out of work, a longer life, your money abroad buying 15% less — tick together and compose into one line drawn against your plan, so you see your own worst case rather than eight separate ones.

Then what would move this: saving a little more, living on a little less later, clearing your costliest loan — each re-run through your whole projection and shown with the years it buys, including when the answer is none. Two partners can stop at different ages, and a move to another country is priced where you will live.

The FIRE planner for couples →

FIRE planner by country

A FIRE calculator for each of the eleven markets it plans in.

Each country page names the schemes your plan starts with, the inflation and return rates it projects with, when local pensions can be reached, and the household survey your percentile is measured against.

What only Nivritee does

A FIRE calculator that knows what you already hold.

FIRE calculators start from a figure you type. The FIRE Planner starts from your Portfolio Tracker — every holding, in every country, in one currency — and plans for both of you.

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

Eleven 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 people ask

FIRE calculator questions, answered.

Is there a free FIRE calculator?

Nivritee’s FIRE Planner is free, with no paid tier. It runs on a free account, because your plan is saved and kept current as you edit it: eight answers, about two minutes, and you have a year-by-year projection, your FI number and a verdict.

How is the FI number calculated?

From your own spending once you stop working, divided by the withdrawal rate for the country you will live in, with tax on withdrawals allowed for. Your goals and any loan still running are added, and income that keeps paying — a pension, rent, a state benefit — is netted off.

What is the Financial Freedom Index?

A score from 0 to 100 built from three parts: progress toward your FI number (50%), the age the projection actually reaches independence at (30%), and resilience — emergency cover and debt (20%). It sits in one of five zones, from Just starting to Freedom in reach.

Can my partner and I stop working at different ages?

Yes. Each of you keeps your own age and your own working years, and your partner’s stop is set relative to yours, so moving one date moves the plan for both. The FIRE planner for couples page explains how the two careers are combined.

Does it plan for moving to another country?

Yes. Say where you live today, where you will be living when you stop working and when you move. A cost in another of the eleven markets rises at that country’s rates until it ends, and the life after the move is priced where you will live it, in its currency.

Does the FIRE Planner use Monte Carlo simulation?

No. It is a deterministic projection: the same plan gives the same figures every time you open it. What it offers instead is eight named stress tests, from a 2008-style crash to a longer life, composed into one line beside your plan.

Find your FI number.

About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.

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