Why do you ask for income before tax?
Tax rules differ so much between countries that a wrong tax model would be worse than none, so Nivritee does not model tax. Enter pre-tax income, or your take-home pay for a more cautious view.
Because Nivritee does not model tax, and a figure you can check is better than one that has been taxed by rules that may not be yours. Income opens with Enter these before tax. The ⓘ beside it gives the reason: tax rules differ so much between countries that a wrong tax model is worse than none.
What that means for your plan
Nothing in the projection deducts tax — not on income, on gains, or on what you draw later. Each year, whatever is left of your income after spending and loan payments is treated as saved. With pre-tax income, some of that apparent surplus is money you will actually pay in tax, so a plan built on gross income is the more optimistic reading.
Two reasonable ways to enter it
| Enter | What you get |
|---|---|
| Income before tax | Figures that match your payslip and contract, and the Income section’s own totals. The plan is the more optimistic view. |
| Income after tax | A plan that reflects what actually reaches you. The app’s own note calls this the more conservative view. |
Whichever you choose, be consistent: enter every income row the same way, and let your spending be what you actually spend.
Income
Salary and regular pay
Other income
The Income section for the illustrative household: a salary in dirhams, the Pune rent in rupees, and the total.
- Enter these before tax.
- Salary and regular pay — grows at your income growth rate.
- Other income — rent, a side business, a pension already paying.
- Total household income today: ₹84.72L a year, before tax.
Illustrative figures — not anybody’s real plan.
See this in your own plan.
Open IncomeLast reviewed 1 October 2026.