Help Centre
How can we help?
How to use every part of Nivritee, what each reading means, and the questions people ask most about money — answered in depth, for the country you live in.
Getting started
Your account, the two-minute quick start, finding your way around, and what Nivritee does and does not do.
- How does the quick start work?
- How is the app laid out?
- When do I need to re-generate my plan?
- Why does Nivritee ask for so much detail?
- Can anyone at Nivritee see my plan?
Entering your data
Why each part of the plan is asked, and how to get every figure right — countries, ages, savings, loans, income, spending and goals.
- Why does the country I settle in matter so much?
- How do I work out what I spend?
- How do I add a stock, ETF or mutual fund?
- How do I enter my pension or retirement scheme balances?By country
- Should I change the six assumptions?By country
Reading your results
The verdict, the four numbers, the money cards, the Retirement Tracker, stress tests and the financial freedom index — what each one means.
- What do the six verdict words mean?
- What do the four numbers on the Overview mean?
- How do stress tests work?
- How is the financial freedom index worked out?
- What is plan confidence?
Freedom Ladder and Investment Performance
Where your money should sit, rung by rung, and how what you hold is doing against the return your own plan assumes.
- What is the Freedom Ladder?
- Why are the rungs cumulative?
- What is XIRR, and why is it compared with my plan?
- What are the six investment readings?
- Which markets and funds does Nivritee price?
Action Items, Niv and your account
Fixing what is still an estimate, asking Niv, planning with a partner, sharing your plan, notifications and your account.
- What are Action Items?
- What can Niv do?
- How do I add my partner to my plan?
- How do I share my plan with someone?
- How do I delete my account?
Personal finance and financial independence
The questions people ask most about saving, investing, debt and reaching independence — answered in depth, with sources, for your country.
- How big should my emergency fund be, and where should I keep it?By country
- How much money do I need to be financially independent?
- What is the 4% rule, and how should I read a withdrawal rate?
- In what order should I save, invest and pay off debt?By country
- Are index funds better than actively managed funds?
Nivritee is a planning tool for informational purposes only and does not constitute financial, tax, or legal advice. Consult a licensed professional before making financial decisions. All figures are projected estimates, not predictions.