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.
FIRE Planner · FIRE calculator for couples
Two careers, two stop dates, one FIRE plan.Free. Each of you with your own login.
Most FIRE calculators assume one person and one date. A household has two: two incomes or one, two ages, two stops, savings in two names and costs you share. The FIRE Planner projects all of it as one plan, and shows it from each side.
FIRE Planner · Family
YouWorking 38 → 55 · then living on the corpus
Your partnerNot earning today · ₹42.9L in their own name, still compounding
Family plan · corpus at 55₹8.45CrWorkable · lasts to 90
FIRE Planner · two stop dates
Your stop and your partner’s, on one timeline.
Each of you keeps your own age and your own working years. Your partner’s stop is set relative to yours — the same year, or so many years before or after — so when you try stopping earlier, both dates move together and the projection follows.
Once you say your partner earns, the plan moves from working to living on savings in steps: as each of you stops, the household shifts by that person’s share of the salaries — its return toward the after-independence rate, its shared spending toward the later figure. Until that is answered, no figure in a couple’s plan moves.
How the FIRE Planner 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
- A 2008-style crashRuns out at 83
- Your money abroad buys 15% lessLasts to 90, ₹3.96Cr lower
- Both togetherRuns out at 82
| 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 |
Family Finance · You · Partner · Family
Three views of one plan, and they add up to the rupee.
Every row names whose it is. Your view shows your money, your partner’s shows theirs, and the family view shows the household — in the illustrative household, ₹71.44L and ₹42.9L make the family’s ₹1.14Cr.
A shared cost is typed once, as the whole amount, and split by percentage. Income is never split, and a pension or provident fund belongs to one of you — so each of you has your own.
How the three views work →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 |
Financial Freedom Index · yours and the household’s
Your share of the plan, beside the household’s score.
In your own view, your Financial Freedom Index sits beside the household’s, with your share of everything the household holds. Neither replaces the other: one is how far your side has come, the other is whether the plan you share holds.
The peer percentile is always the household’s, and labelled so, because every survey it compares against measured households, not individuals.
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.
Family Finance · each side yours to share
Each of you decides what the other sees.
Your partner joins the same plan with their own login. Each of you chooses whether the other can view or edit your side, and can change it at any time; shared rows belong to both.
Invite your CA, a lawyer or a parent to see exactly what you choose, read-only. On a plan for two, widening somebody’s access waits for both of you to agree.
Sharing, and who sees what →Family Finance
PeopleWho is on your plan, and who can see it.
+ Add a person| Person | Age | Access |
|---|---|---|
| Your partnerPartner | 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 |
What only Nivritee does
A FIRE plan built for two people, not one login.
Two logins, one plan, each person’s money in their own name — and the holdings it starts from are the ones you already track, in every country, in one 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 couples ask
FIRE for couples, answered.
Is there a FIRE calculator for couples?
Nivritee’s FIRE Planner plans a couple as one household with two people in it: each of you with your own age, your own money and your own stop date. It is free, with no paid tier, and your partner joins the same plan with their own login.
Can we retire at different ages?
Yes. Your partner’s stop is set relative to yours — the same year, or a number of years before or after — so moving your date moves both. Figures read at the first stop are labelled with that age.
What if my partner does not earn?
Earning and owning are separate questions. A partner who does not earn can still hold savings, spend and owe a loan, and the plan asks about each. Once you say your partner earns, the plan shifts from working to retired in steps, weighted by each person’s share of the salaries; until then nothing moves.
How do we split shared costs like rent?
Type the whole amount once — the rent on the bill — and set each person’s share as a percentage that adds up to 100. Each view shows that person’s part, and your view plus your partner’s always adds up to the family plan.
Can my partner see everything I enter?
Only what you choose. Each of you decides whether the other can view or edit your side, and can change that at any time. Shared rows belong to both of you.
Plan your independence together.
About two minutes to a first answer from eight figures, then invite your partner and add the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free