How do I work out what I spend?
Enter what you spend today, category by category, from your statements. Nivritee works out what the same life costs later, each category at its own inflation rate.
Start from what actually left your accounts, not from a budget. Living expenses asks for what you spend today; the projection works out what it costs later. The page says it in one line: Enter what you spend today. We work out what it costs later.
- Gather two or three months of bank and card statements, and a year’s worth for anything you pay annually.
- Go down the ten categories: Housing (rent / maintenance), Groceries & household, Utilities, Transport, Health & insurance, Children's education (routine), Personal care & clothing, Travel & leisure, Dining out & entertainment, and Miscellaneous / discretionary.
- Enter each in the frequency you pay it — Monthly or Annual. School fees and insurance premiums are usually easier as annual figures.
- Read What you spend today at the foot of the page and check it against what you know you get through in a year.
Living expenses
Enter what you spend today. We work out what it costs later.
Living expenses for the illustrative household: each row with its currency, its frequency and where and when it applies, and the total below.
- Enter what you spend today.
- How often — Monthly or Annual.
- → projected when you stop earning — the same cost later, a year.
- Changes later? — what this costs after you stop earning, if different.
- What you spend today, and The same life, when you stop earning.
Illustrative figures — not anybody’s real plan.
Why the categories matter
Each category rises at its own rate: health at medical inflation, school fees at education inflation, everything else at general inflation. One combined figure inflating at one rate is usually a materially different answer, which is why a single quick-start figure shows Break this into categories.
What does not go here
- Loan repayments — they go under Liabilities and are counted separately.
- One-off costs — a degree, a wedding, a new roof — are life goals.
- Savings and SIPs — what you save is what is left over; it is not spending.
- Tax — leave it out if you entered income before tax.
Costs that change later
Press Changes later? on a row to say what it will cost after you stop earning, in today’s money — school fees that end, a commute that stops. Entering 0 means the cost disappears; Undo returns it to the same as today.
See this in your own plan.
Open Living expensesLast reviewed 1 October 2026.