Reading your results
The verdict, the four numbers, the money cards, the Retirement Tracker, stress tests and the financial freedom index — what each one means.
23 questions
- What does the Overview show?The Overview is your plan on one page: the outcome word and figure, four numbers, three money cards, the levers, and doors to the pages that hold the working.
- What do the six verdict words mean?Critical, Short, Tight, Workable, Comfortable and Ample say whether your money lasts to the end of your plan, and with how much to spare.
- Why does my plan say Critical when the savings figure looks large?The figure is in the money of the year you stop working, the life it pays for is priced in that money too, and a stretch below zero while working can sit behind it.
- What do the four numbers on the Overview mean?Savings when you stop earning, savings at the end of the plan, the average withdrawal rate, and whether the money runs out — each with a status word and a note on how to read it.
- What is the withdrawal rate in my plan?Each year after you stop working, the share of that year’s opening savings you have to draw to cover what income does not. At or under 4% reads Sustainable.
- What do the three money cards tell me?What you earn, What you spend and What you owe describe your money today. Only the spending card carries a coloured band, judged against your own income.
- What do “Looks right”, “Worth a look” and “Worth reconsidering” mean?They are Nivritee’s three readings of a spending figure — green, amber and red — judged against your income and, for each line, against what a household like yours typically spends.
- What is plan confidence?How complete this plan is: the share of the projection built on figures you gave rather than starting points. It is not the chance your plan works.
- What does the Retirement Tracker show?The working behind the Overview: the projection year by year, your financial freedom index and peer standing, the stress tests, the charts and the full ledger.
- How do stress tests work?Tick any of the scenarios under “What if things go wrong?” and the tracker draws one extra line for all of them happening to you together, with what changes listed beneath.
- What does each stress test assume?Nine scenarios, each with fixed parameters: two market falls, two inflation runs, two longer lives, two income shocks and a 15% currency fall. Five are measured from history, four are chosen.
- How do I read the year-by-year ledger?Each row is one year: opening savings, plus income and growth, minus spending, loan payments and goals, gives the closing savings that open the next year.
- What is a shortfall while I am still working?Years before you stop working when your outgoings exceed your income and your savings go below zero. It is reported with its span, its depth and what carrying it cost.
- How is the financial freedom index worked out?A score out of 100: half Progress (savings against your FI number), 30% Trajectory (projected independence age against your target) and 20% Resilience (emergency cover and debt).
- What do the financial freedom index zones mean?Five words for ranges of the score: Just starting (0–29), Building momentum (30–59), Solid footing (60–79), Strong footing (80–94) and Freedom in reach (95–100).
- What is my FI number?The amount, in today’s money, your plan says you need for independence: your yearly need after you stop, grossed up for tax and divided by a withdrawal rate, plus your goals.
- What does “Where you stand” compare me with?By countryHouseholds in the country you will live in, from its official survey: your net worth where that country measures wealth, your household income where it publishes only income.
- What are the levers under “What would move this”?Up to three changes — save a little more, live on a little less later, clear the costliest loan — each run through your whole projection and priced in years.
- What is “What changed since your last visit”?A notification in the bell, at most once a day, saying how much everything you hold moved since you last looked — split into market prices, exchange rates and changes you made.
- Why does it say my figures are out of date?Because you changed something the projection reads since you last generated the plan. Press Re-generate to bring the plan up to date. Renaming rows or price moves never trigger it.
- Why is every figure shown twice?The large figure is rounded so you can hold it in your head; the exact one beneath is the one to check. Rounding is only allowed because the precise figure sits right under it.
- Why did my figures change when I changed nothing?Exchange rates and market prices move daily, time passes (your ages and loans move on), and stored readings refresh. Your own entries and rates are never changed for you.
- How are costs in another country projected?A row in another of Nivritee’s eleven markets is converted at today’s rate, grows at that country’s own inflation, and drifts with the inflation gap between the two countries.