Nivritee is your family’s financial home: every investment in every country in one currency, your FIRE plan, your everyday money, your family in the picture, Niv beside you and a clear ladder to freedom. Free, so you can do what you love. It rests on six pillars: the Portfolio Tracker (multi-currency portfolio and net-worth tracker), the FIRE Planner (fire calculator and planner), the Money Manager (personal finance for income, spending, loans and goals), the Family Finance (family finance for couples, with sharing you control), the Niv (free ai financial assistant), the Freedom Ladder (a four-bucket strategy for your money).

Can I track investments in several countries in one currency?

Yes. Stocks, ETFs and mutual funds on NSE, BSE, NASDAQ, NYSE and the London Stock Exchange, Indian, US and European funds, deposits in any of 142 currencies, pensions, gold and property are held in one plan and valued in the currency of the country you will live in. Listed holdings are priced from each exchange’s daily close. There is no bank or broker login: you add holdings yourself.

What is financial independence planning?

Working out whether what you have saved, plus what you will save, can cover what you will spend for the rest of your life — accounting for inflation, investment returns and one-off costs like education. Nivritee’s FIRE Planner projects this year by year rather than applying a rule of thumb, and gives a Financial Freedom Index out of 100.

Can my partner and my accountant see our plan?

Your partner can join the same plan with their own sign-in, and each of you chooses whether the other can view or edit your side. You can also invite a Chartered Accountant, a lawyer or a trusted friend to see exactly what you choose, read-only, and withdraw that access at any time.

Is Niv an AI financial advisor?

No. Niv is a free AI financial assistant: she reads your plan, runs what-ifs on the same projection engine and explains the result in plain words. She never recommends buying or selling anything and has nothing to sell. Decisions, and any regulated advice, stay with you and a licensed professional.

Does the country I live in change the answer?

Substantially. Inflation, investment returns, medical and education cost growth, and statutory savings schemes differ by country, and a figure is only meaningful against the conditions where the money is actually spent. Nivritee plans in the currency and assumptions of the country you will be living in, across eleven markets.

What if I live in one country and plan to settle in another?

That case is built in. You say where you earn and spend today, where you will be living when you stop working, and when you move. The second fixes the single currency every figure is reported in; the first is what your spending today is judged against. Income, expenses, loans, deposits and holdings each keep their own country, dates and currency, and are converted once, before anything is computed.

How long does it take to get a first answer?

About two minutes. A country and seven figures produce a complete projection, and you add detail afterwards against a result you can already see rather than before you see anything.

Do I need an account?

Yes. You sign in with Google or with an email address and password, so your plan is saved to your account and is still there when you come back — on any device, without re-entering anything. With Google, we ask for your name and email address and nothing else.

Can anyone at Nivritee see what I enter?

No. There is no internal tool that displays a plan, because one was never built. The administrative panel shows usage counts and never a figure, and no email we send carries an amount or a verdict from a plan — at most how things moved, in percentages.

Is this financial advice?

No. Nivritee is an informational planning tool and does not constitute financial, tax or legal advice. Every figure it produces is a projected estimate under stated assumptions, not a prediction of what will happen.

How should couples share financial information?

Both partners should know what the household owns and owes, where it is held and in whose name — whoever manages it day to day. Agree what you share, review it together, and keep it current.

Share the picture, even if one of you does the work. In many households one partner manages the money, and that division of labour is fine. What causes trouble is when only one of you knows what exists: if that person is ill, abroad or no longer there, the other has to piece together accounts, schemes and loans from paperwork at the worst possible time. Knowing the whole picture is different from managing it.

What both of you should know

Every account, investment and scheme: where it is held, whose name it is in, and roughly what it is worth.
Every loan and regular commitment, and when each one ends.
What the household spends, and what you are saving towards.
Who is named as nominee or beneficiary on each account, and where the will is.
Who to call: your accountant, lawyer or adviser, if you have one.

How to make it a habit

Agree what is shared and what is private. Many couples keep some money separate; that works when both know it exists and what it is for.
Keep one list both of you can open, rather than knowledge held in one person’s head or inbox.
Set a regular date — monthly or quarterly — to look at it together for half an hour.
Talk about goals before figures. Agreeing what you want the money to do makes the numbers easier to discuss.
Name a trusted outsider. Decide together whether an accountant, lawyer or relative should be able to see the picture.

Common mistakes

One partner holding every login with no way for the other to reach them.
Nominations left from before the marriage, or never made.
Talking about money only when something has gone wrong.
Sharing balances but not debts.

If one of you might one day need to act for the other, look at the legal arrangements your country offers, such as a power of attorney. Guides on managing someone else’s money set out what such a role involves.

Doing it in Nivritee

In Family Finance your partner joins the same plan with their own login, each of you chooses whether the other can view or edit your side, and the Family view shows the two of you together. You can also invite an accountant, lawyer or trusted friend to view, read-only, choosing exactly what they see. See how to add your partner.

See this in your own plan.

Open Family Finance

Last reviewed 4 October 2026.

This is general information, not advice for your circumstances. Rules and limits change; check the official guidance for your country, and consult a licensed professional before making financial decisions.

How should couples share financial information?

What both of you should know

How to make it a habit

Common mistakes

Doing it in Nivritee

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