How do I enter a loan?
Under Liabilities, add each loan you are still paying with what is outstanding today, the payment, how often and the years left. Nivritee reads the interest rate from those figures.
Add every loan you are still paying under Liabilities, one row each — home, car, education, business, a loan from family. Repayments are counted as their own outflow every year until the loan ends, separately from your living expenses.
- Press + Add a loan.
- Choose the Type: Home loan, Car loan or Other loan.
- Under What is it?, choose the name your market uses — Personal loan, Credit card balance, Education loan and so on — or Something else to type your own.
- Enter Outstanding today: what is still left to repay.
- Enter the Payment amount and How often: Monthly, Annual or One-off lump sum.
- Enter Years left, or for a lump sum, the Year it falls due.
Liabilities · What you owe
One loan row, as the illustrative household entered their home loan.
- Type and What is it?
- Outstanding today.
- Payment amount and How often.
- Years left.
- Where & when — the loan’s country, and when it is paid off.
Illustrative figures — not anybody’s real plan.
Why the three figures matter together
Nivritee does not ask for an interest rate. It works the rate out from your own outstanding balance, payment and years left — the rate your repayment schedule implies. That rate appears on the What you owe card and decides which loan is your costliest. If the three figures do not belong together, the rate will be wrong, so take them from the same statement.
Paying off early, and loans abroad
- Open Where & when and set Paid off to When I move or At an age. The balance still owing at that point is paid as a one-off, and payments stop.
- Set Where if the loan is in another country. Its balance and payment move to that currency together — you do not owe in one currency and repay in another.
See this in your own plan.
Open LiabilitiesLast reviewed 1 October 2026.