What can Niv analyse for me?

Niv, Nivritee’s free AI financial assistant, answers from your own plan rather than from general rules of thumb. Before each answer she is given a summary of it — never the full year-by-year ledger — and when she needs a number she does not have, she runs the projection engine for it. She explains; you decide.

What she reads when you ask her something

• What you hold — every asset row in your plan, listed holdings included at today’s value, converted into your plan’s currency, with the totals.
• What you earn, spend and owe, and how your spending compares with the typical ranges for where you live, so she can answer “is this normal?”.
• Your projection — the verdict, the key figures, the warnings the plan raises, and only the years worth explaining.
• Your Freedom Ladder — how full each rung is, the stage you are at and the runway it suggests.
• Your ages, the six assumptions, which of them you have changed, and your life goals.
• Her notes — the few things she has kept from earlier conversations, which you can read and delete.

What she can work out for you

• A what-if — stop working at another age, change a rate, spend less each month — run through your real projection, with both figures reported.
• A stress test — a named event such as a 2008-style crash, applied to your plan.

Her reading on three pages

On the Portfolio Tracker, the FIRE Planner and the Freedom Ladder she writes a short reading of the figures already on the page — on the Portfolio Tracker, of the pointers under What would move this and the six readings of how your money is arranged. She adds no figure of her own there, and the page is complete without her.