Nivritee
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Is Nivritee free?

Yes. The projection, the tracker, the stress tests, the index, the Freedom Ladder, Investment Performance and Niv are all included. There is no paid tier.

Yes. Nivritee costs nothing to use, and there is no paid tier holding part of the answer back. You need an account so your plan is saved, and the sign-up form asks for a name, an email address and a password — or nothing at all beyond what Google shares if you sign in with Google. It never asks for card details.

What is included

  • The year-by-year projection and its one-word verdict.
  • The Retirement Tracker, with the stress tests and the full ledger.
  • The financial freedom index and the peer percentile.
  • The Freedom Ladder.
  • Investment Performance, with every listed holding priced every weekday.
  • Action Items, and Niv, the assistant.
  • Planning as a couple, and inviting people to see your plan under Family & sharing.

What it does not do to pay for itself

A free product often makes its money from the people using it. These are the things Nivritee says, in its privacy policy and on its About page, that it does not do:

  • It does not sell, rent or trade personal data, and it shows no advertising.
  • It does not pass your figures, rates or outcome to any marketing, sales or CRM service.
  • It does not use your data to train AI models.
  • It does not recommend products or securities, or introduce you to a salesperson.

What happens to what you type

  • Encrypted in transit and at rest. TLS everywhere, AES-256 at rest.
  • Never seen by a person. There is no internal tool that displays your finances, because we did not build one.
  • Never sold, never pooled. Used to compute your plan and nothing else.
  • Yours to delete. A hard delete, not a flag.

The site’s summary of what happens to what you type: encrypted, never seen by a person, never sold or pooled, and yours to delete.

  • Encrypted in transit and at rest.
  • Never seen by a person — there is no internal tool that displays your finances.
  • Never sold, never pooled — used to compute your plan and nothing else.
  • Yours to delete — a hard delete, not a flag.

Illustrative figures — not anybody’s real plan.

Last reviewed 1 October 2026.