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.
For global families · financial planning across countries
Earn in one country. Settle in another. One plan.
Salary in dirhams, a flat in Pune, school fees in Dubai, an index fund in dollars and a move pencilled in for 55. Each row keeps its own country, dates and currency, and the whole household — holdings, spending, your partner — projects in the currency you will actually spend.
Your Location
Where you earn and spend todayUnited Arab EmiratesNew rows start here · today’s spending is read against it
Where you will be livingIndiaFixes the plan’s currency, rates and schemes
When will you move to India?When I stop workingat 55
| Row | Where | Starts | Ends | As entered | In INR |
|---|---|---|---|---|---|
| Salary | UAE | Today | At 55 | AED▾ 30,000 / mo | ≈ ₹6.81L / mo |
| Rent from the Pune flat | India | Today | At the move | INR▾ 25,000 / mo | ₹25,000 / mo |
| Rent in Dubai | UAE | Today | At the move | AED▾ 10,000 / mo | ≈ ₹2.27L / mo |
| School fees | UAE | Today | At 52 | AED▾ 5,000 / mo | ≈ ₹1.14L / mo |
| Living in Dubai | UAE | Today | At the move | AED▾ 9,000 / mo | ≈ ₹2.04L / mo |
| Living in Pune | India | At the move | — | INR▾ 1,25,000 / mo | ₹1.25L / mo |
| Home loan | India | Today | Paid off 2037 | INR▾ 35,00,000 | ₹35L |
| S&P 500 ETF | NYSE | — | — | USD▾ 27,000 | ≈ ₹22.52L |
FIRE Planner · earn here, settle there
Say where you earn today, where you will live, and when you move.
Two questions, answered separately. Where do you earn and spend today? sets where new rows start and what your spending is compared against. Where will you be living when you stop working? fixes the plan’s currency, its rates and its statutory schemes.
Then when you move — when you stop working, at an age you choose, or you already live there. Rows that stop at the move stop; rows that start there start. Nothing you have typed is rewritten by any of it.
How the FIRE Planner works →
Portfolio Tracker · multi-currency portfolio tracker
Holdings in Mumbai, New York and London, in one currency.
NSE, BSE and Indian mutual funds beside NASDAQ, NYSE, the London Stock Exchange, the Stock Exchange of Thailand, and US, UK, European and Thai funds, priced from each market’s daily close. Deposits in any of 142 currencies, each named by the country it is banked in. Each converts once, at a checked daily rate, so the portfolio and the plan are always the same money.
The headline is your XIRR against the return your own plan assumes — and one of its six readings is how much of what you hold is already in the currency you will be spending.
The NRI portfolio tracker → The Portfolio Tracker →Portfolio Tracker
Where it is held
- NSENational Stock Exchange of IndiaINR₹17L27% of listed
- BSEBombay Stock ExchangeINR—
- AMFIIndian mutual fundsINR₹16.5L26% of listed
- NYSENew York Stock ExchangeUSD₹22.52L35% of listed
- NASDAQNASDAQUSD—
- LSELondon Stock ExchangeGBP₹7.84L12% of listed
- US fundsUS mutual fundsUSD—
- UK & EU fundsUK & European fundsGBP · EUR—
- SETStock Exchange of ThailandTHB—
- Thai fundsThai mutual fundsTHB—
Converted once into INR, before anything is computed.
FIRE Planner · priced where you will live
The life after the move, at that country’s prices.
Fourteen countries to settle in, each with every rate shown, and medical and education costs at their own, faster rates — each copied into your own plan to change. A cost in another of the fourteen rises at that country’s rates until it ends; a cost anywhere else, such as Saudi Arabia, at your plan’s.
Then Your money abroad buys 15% less prices the exchange rate itself: a 15% fall, on the day you stop working, on everything in another currency. For the illustrative household the plan lasts to 90, ₹4.27Cr lower.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| India | INR | 4.0% | 12.9% |
| United Kingdom | GBP | 2.0% | 10.0% |
| Singapore | SGD | 2.0% | 16.9% |
| United States | USD | 2.0% | 9.1% |
Fourteen countries. Every rate shown, every rate yours to change.
Money Manager · income, spending and loans
Salary in dirhams, rent in rupees, one set of totals.
What you earn, spend and owe, each a year in your plan’s currency with the exact figure under the rounded one. The savings rate and the share of income going on living are read from the rows themselves, whichever country they are in.
Every money row offers all 142 currencies. Changing the currency of a figure you already typed always asks whether to convert it or keep the number — it never decides for you.
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
Two careers, two stop dates, one household.
Your partner joins with their own login, and each of you chooses whether the other can view or edit your side. The plan shows you, your partner and the family together, and yours plus your partner’s always adds up to the family’s.
Invite your CA, a parent or a trusted friend in either country to see exactly what you choose, read-only.
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 |
Freedom Ladder · a four-bucket strategy
An emergency fund wherever it is banked, counted once.
Mark a deposit as the emergency fund — in Dubai or in Pune — and it leaves the corpus and sits on the Freedom Ladder’s first rung, so the same money is never counted twice. The top of the ladder is your FI number, in the currency you will spend.
Ask Niv what a later move or a weaker rupee does to it: she runs it on your own projection and reports both figures. She explains; you decide.
How the Freedom Ladder works →What only Nivritee does
Every country, one currency, and a plan for the whole family.
Trackers stop at what you hold, calculators assume one country, and budgeting apps stop at this month. Here one set of figures serves all six pillars. 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.
Questions families ask
Planning from one country for a life in another.
I earn in the Gulf and will settle in India. Can one plan hold both?
Yes. You say where you earn and spend today, where you will be living when you stop working, and when you move. Salary, rent, school fees and loans keep their own country, dates and currency; the plan reports in the currency of the country you will live in, and each row converts once at a checked daily rate.
Does a cost abroad inflate at my plan country’s rates?
It depends where it is. A cost in another of the fourteen countries Nivritee plans for — the UK, Singapore, the UAE, the US and the rest — rises at that country’s rates until it ends. A cost anywhere else, Saudi Arabia or Qatar say, rises at your plan country’s rates. The life after the move is always priced where you will live it.
What if the exchange rate moves against me?
There is a stress test for it. “Your money abroad buys 15% less” applies a 15% fall, on the day you stop working, to everything you hold, earn, pay or expect in another currency — modelled on two recorded currency moves — and draws the result beside your plan.
Can I hold deposits and investments in several countries?
Yes. Bank deposits in any of 142 currencies, each named by the country it is banked in; statutory schemes such as EPF, PPF and NPS; and stocks, ETFs and funds on NSE, BSE, NASDAQ, NYSE, London and the Stock Exchange of Thailand — all in one portfolio, in one currency.
Can my partner and I plan together?
Yes. Your partner joins the same plan with their own login, each of you chooses whether the other can view or edit your side, and every row says whose it is — two careers and two stop dates in one household plan.
Put both countries in one plan.
Free, with no bank or broker login. About two minutes to a first answer from eight figures, then add each row in the country and currency it is really in.
Start free