Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
How it works
Eight answers to a first plan. Then make it your family’s home.
No bank login, no statement upload, no credentials. A country and seven figures give you a year-by-year FIRE plan in about two minutes — then you add your holdings, your partner and the detail, one pillar at a time, against a result you can already see.
Step one · FIRE Planner · FIRE calculator and planner
Eight answers, and a first FIRE plan in about two minutes.
Say where you will be living when you stop working, then seven figures: your age, the age you want to be independent at, what you earn, what you spend, what you hold in cash, what you have invested and what you owe. The country sets the currency, its inflation and its statutory schemes — EPF, CPF, 401(k), super and the rest.
Back comes a year-by-year projection, a verdict from Critical to Ample, your FI number and your Financial Freedom Index out of 100. Tick the stress tests to see what would break it.
How the FIRE Planner works →FIRE Planner
Your corpus, year by year
Workable Lasts, with a modest cushion
Savings when you stop earning₹6.96Cr₹6,95,50,197≈ ₹3.57Cr in today’s money
What if things go wrong? Your plan A 2008-style crash + your money abroad buys 15% less
- A 2008-style crashRuns out at 80
- Your money abroad buys 15% lessLasts to 90, ₹4.27Cr lower
- Both togetherRuns out at 78
| Age | Stage | Opening | Growth | Income | Outflow | Closing |
|---|---|---|---|---|---|---|
| 54 | Working | ₹6.14Cr | +₹59.92L | ₹1.2Cr | −₹98.7L | ₹6.96Cr |
| 55 | Retired | ₹6.96Cr | +₹53.69L | — | −₹29.75L | ₹7.19Cr |
| 56 | Retired | ₹7.19Cr | +₹55.53L | — | −₹30.94L | ₹7.44Cr |
Step two · Portfolio Tracker · multi-currency portfolio tracker
Add what you hold, in every country, and see it in one currency.
Search for a stock, ETF or mutual fund on NSE, BSE, NASDAQ, NYSE, the London Stock Exchange or the Stock Exchange of Thailand, or an Indian, US, European or Thai fund, and enter the units and what you paid. A SIP is entered once and its instalments are added for you. Deposits go in any of 142 currencies.
Listed holdings are priced from each daily close and converted into your plan’s currency. Their XIRR is set against the return your plan assumes — and every holding you add feeds the projection at once, because there is only one set of figures.
How the Portfolio Tracker works →Investments
Every investment, one row eachIn INR, the currency you will spend
| Investment | Value | Gain | XIRR | 30 days |
|---|---|---|---|---|
| Nifty 50 index fund | ₹16.5L₹16,50,000 | +₹3.5L | 11.4% | |
| S&P 500 ETF | ₹22.52L$27,000 | +₹5.84L | 14.3% | |
| Nifty Next 50 ETF | ₹10L₹10,00,000 | +₹2L | 13.0% | |
| Sovereign Gold Bond | ₹7L₹7,00,000 | +₹2L | 15.0% | |
| FTSE 100 tracker | ₹7.84L£7,000 · quoted in pence | +₹1.12L | 8.1% |
Not listed: ₹10,00,000 typed as one figure — counted in the plan, with no return to read until it is listed.
Step three · Family Finance · family finance for couples
Bring in your partner, and choose who sees what.
Your partner joins the same plan with their own login. Each row says whose it is, so the plan reads your view, your partner’s and the family’s — two careers, two stop ages, one household — and each of you decides whether the other can view or edit your side.
Invite your CA, your lawyer or a trusted friend read-only, choosing exactly what they see, and withdraw it any time.
How Family Finance works →Family Finance
PeopleWho is on your plan, and who can see it.
+ Add a person| Person | Age | Access |
|---|---|---|
| Your partnerPartner | 36 | JoinedPlanning together, with their own sign-in |
| Your motherParent | 64 | AcceptedSees: The family plan: every section and results |
| Your CAChartered Accountant | 51 | Pending approvalWaiting for your partner to approve · then it is emailed |
| A close friendTrusted friend | 40 | SentSent on 26 Sep 2026 · link valid until 10 Oct 2026 |
| Your brotherBrother or sister | 33 | Not invitedOn your plan · invite them to see it whenever you are ready |
Step four · Money Manager · personal finance, benchmarked
Add the detail: income, spending, loans and goals.
Replace the one spending figure with ten categories, add every loan and every big goal — school fees, a wedding, a home — each with its own dates, country and currency. Medical and school costs inflate at their own, faster rates.
What you earn, spend and owe come back as three cards: your savings rate, spending as a share of income, and the rate each loan really costs, worked out from its own repayments. Spending is set against the typical range for your country and city.
How the Money Manager works →Overview
What you earnSaving 17%
A year, before tax₹84.72L₹84,72,000- Each month
- ₹7,06,000
- Survives a job loss
- 3.5%
- Left over
- 17%
What you spendWorth a look
A year, today₹65.38L₹65,37,600- Of what you earn
- 83%
- The same life, later
- ₹1.6Cr
- Largest single line
- ₹27.24L · Rent in Dubai, 42%
What you owe
Still outstanding₹35L₹35,00,000- Paid a year
- ₹4.8L
- Of your income
- 5.7%
- Costliest rate
- 8.3% · Home loan
Step five · Niv · free AI financial assistant
Fix what is still a guess, and ask Niv what would change it.
Action Items read the plan and name what is missing or implausible, each flag quoting the reference point it was measured against. Dismiss one and it is remembered; commit to one and it is tracked.
Then ask Niv. She runs your what-if on the real projection and reports both figures, explains what moved, and offers a change as a button you press. She explains; you decide.
What Niv can do →Nivritee — call me Niv
What if I stopped working at 52 instead?
Then it does not hold — your savings would run out at 81 rather than lasting to 90. Your first year without a salary would be 2040, when Higher education — Child 2 falls due, so you would draw 18.9% of your savings that year against 4.3% on your plan as it stands. That is the difference between Workable and Short.
Ran a what-if · independence age 52
Step six · Freedom Ladder · a four-bucket strategy
Decide where the money sits, bucket by bucket.
The Freedom Ladder is a four-bucket strategy: Survival you can reach today, Sustenance so a bad year never forces a sale, Sufficiency — your FI number — and Surplus beyond it. The buckets are cumulative, so the top of the ladder is your FI number.
Each one has a target from your own spending and a reading of whether the money is in something that bucket can use. It opens with computed defaults the moment you have a plan.
How the Freedom Ladder works →The four rungs
| Rung | Protects against | Held as |
|---|---|---|
| Survival | A shock that will not wait | Cash you can reach the same day |
| Sustenance | Income stopping | A laddered runway, no growth assets |
| Sufficiency | The number itself | One equity-to-debt decision |
| Surplus | What comes after | Whatever you choose it to be |
Each rung has its own purpose, its own target formula and its own instrument mix. They are not four versions of one allocation model.
What only Nivritee does
Six steps, one set of figures, for the whole family.
Every step reads what the step before it entered, which is what a tracker beside a separate calculator cannot do. See the full comparison →
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Fourteen markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
Questions
What people ask before they start
How long does a first FIRE plan take?
About two minutes. A country and seven figures produce a complete year-by-year projection; everything after that is detail you add against a result you can already see.
Is there a FIRE calculator without signing up?
No. The FIRE Planner sits behind a free account, because your plan is saved and every figure is computed on the server from it. Signing up takes an email address or a Google account.
Do I have to connect my bank or broker?
No. There is no account linking, no statement import and no credential of any kind. You type what you know, search for your holdings, and change it whenever it changes.
Can I add my partner later?
Yes. Start on your own and invite your partner whenever you like; they join the same plan with their own login, and the plan then shows your view, theirs and the family’s.
Can I change the assumptions?
Yes. Your country’s rates are copied into your own plan when it is created, and every one is yours to override. Editing a rate never changes anybody else’s plan.
About two minutes to your first answer.
About two minutes to a first answer from eight figures, and you can change every assumption we use. Free, no bank login, and nobody at Nivritee can open your plan.
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