What can I do with Nivritee?
Track every investment in one currency, see when you could stop working, check what you earn, spend and owe, plan with your partner, ask Niv, and decide where your money should sit.
Six things, all from one plan and all free. Each is a page in the app with the same name you see here, and each reads the same figures you enter once — so what you hold, what you spend and when you could stop working always agree with one another.
| You want to… | Use | Where in the app |
|---|---|---|
| See every investment, in every country, in one currency — and what it has really returned | The Portfolio Tracker, a multi-currency portfolio and net-worth tracker | Portfolio Tracker, fed by Investments |
| Know your FI number and how early you could stop working | The FIRE Planner, a FIRE calculator and planner | FIRE Planner |
| Check what you earn, spend and owe against typical ranges for your country and city | The Money Manager, for income, spending, loans and goals | The Money Manager group in the menu, and Action Items |
| Plan with your partner, and let your CA or a relative look | Family Finance, family finance for couples with sharing you control | Family Finance |
| Ask a question about your own plan, or test a what-if | Niv, a free AI financial assistant | Niv’s panel, beside every page |
| Decide how much to keep in cash, in a runway and invested for the long term | The Freedom Ladder, Nivritee’s four-bucket strategy | Freedom Ladder |
A sensible order for a first visit
- Answer the quick start: a country and seven figures give you a complete first projection and a verdict.
- Add what you hold under Investments — listed stocks and funds, deposits, schemes — and open the Portfolio Tracker.
- Break your spending into categories under Living expenses, so each kind of cost rises at its own inflation rate.
- Read the FIRE Planner: your FI number, the financial freedom index, and the stress tests.
- If you plan as a couple, add your partner under Family Finance.
nivritee.com/app
OverviewPortfolio TrackerFIRE PlannerFreedom LadderAction ItemsMoney ManagerInvestmentsIncomeLiving expensesLiabilitiesLife goalsYou & your assumptionsYour LocationFamilyFamily Finance
Overview
Where you stand today, and what to look at next.
Your financial freedom outcome
Four numbers · three money cards · how complete this plan is
The app on a wide screen: the five pages you read at the top of the menu, the Money Manager group beneath them, and Family at the foot.
- Overview, Portfolio Tracker, FIRE Planner, Freedom Ladder and Action Items.
- Money Manager: Investments, Income, Living expenses, Liabilities, Life goals, You & your assumptions, Your Location.
- Family: Family Finance.
Illustrative figures — not anybody’s real plan.
See this in your own plan.
Open OverviewLast reviewed 4 October 2026.