What is financial independence planning?

Working out whether what you have saved, plus what you will save, can cover what you will spend for the rest of your life — accounting for inflation, investment returns and one-off costs like education. Nivritee projects this year by year rather than applying a rule of thumb.

Does the country I live in change the answer?

Substantially. Inflation, investment returns, medical and education cost growth, and statutory savings schemes differ by country, and a figure is only meaningful against the conditions where the money is actually spent. Nivritee plans in the currency and assumptions of the country you will be living in, across eleven markets.

What if I live in one country and plan to settle in another?

That case is built in. You say where you earn and spend today, where you will be living when you stop working, and when you move. The second fixes the single currency every figure is reported in; the first is what your spending today is judged against. Income, expenses, loans, deposits and holdings each keep their own country, dates and currency, and are converted once, before anything is computed.

How long does it take to get a first answer?

About two minutes. A country and seven figures produce a complete projection, and you add detail afterwards against a result you can already see rather than before you see anything.

Do I need an account?

Yes. You sign in with Google or with an email address and password, so your plan is saved to your account and is still there when you come back — on any device, without re-entering anything. With Google, we ask for your name and email address and nothing else.

Can anyone at Nivritee see what I enter?

No. There is no internal tool that displays a plan, because one was never built. The administrative panel shows usage counts and never a figure, and no email we send carries an amount, a rate or a verdict from a plan.

Is this financial advice?

No. Nivritee is an informational planning tool and does not constitute financial, tax or legal advice. Every figure it produces is a projected estimate under stated assumptions, not a prediction of what will happen.

How do I open a plan someone shared with me?

Open the invitation link and sign in with the address it was sent to, then Accept. Afterwards the plan is under Shared with me in the plan menu and on Your plans.

Somebody can invite you to view their plan as a parent, relative, lawyer, Chartered Accountant or trusted friend. You need a Nivritee account under the email address the invitation was sent to; you do not need a plan of your own.

Accepting from the email

Open the link in the invitation email. The page names who invited you and in what role.
If you are not signed in, choose Create an account or I already have one — sign in, using the address the invitation was sent to.
Press Accept invitation. The plan opens.

If you are signed in under another address, pressing Accept invitation says so; press Sign out and sign in with the invited one. Each link works once, and for 14 days. If it has expired or is no longer open, ask the person to send it again.

Accepting inside the app

If you are already signed in, the invitation is also waiting in the bell under Needs your answer, and on your Overview as "You have an invitation." Press Accept, or Decline… — which offers "Don't send me invitations from … again".

Finding it again

The plan menu at the top of the app lists it under Shared with me, marked view only, with My own plan to go back.
See all plans at the foot of that menu opens Your plans, with a card for each plan shared with you and Open this plan.

nivritee.com/app

OverviewRetirement TrackerFreedom LadderInvestment PerformanceAction ItemsYour dataYour LocationYou & your assumptionsInvestmentsLiabilitiesIncomeLiving expensesLife goalsPeopleFamily & sharing

Your plan / OverviewYour plan ▾

Overview

Where you stand today, and what to look at next.

Your financial freedom outcome

Four numbers · three money cards · how complete this plan is

The app bar: the plan menu sits before the bell, top right.

The plan menu — My plan, then Shared with me, then See all plans.
The bell — invitations waiting for your answer.

Illustrative figures — not anybody’s real plan.

While you are viewing

A banner reads "You are viewing …'s plan … — view only. You see what … chose to share, and nothing you do here can change it." with Back to my own plan. You see only the sections and results they switched on. Nothing about your own plan, if you have one, is shared with them.

To stop viewing, open Family & sharing while in their plan and press Stop viewing …'s plan.

See this in your own plan.

Open Your plans

Last reviewed 1 October 2026.

How do I open a plan someone shared with me?

Accepting from the email

Accepting inside the app

Finding it again

While you are viewing

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