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Money Manager · personal finance app

What you earn, spend and owe, measured against where you live.

Nivritee’s Money Manager is personal finance for income, spending, loans and goals: every figure in its own country, currency and dates, compared with the typical range for your country and city, and grown at the rate that kind of cost actually rises. Free.

Start freeCommon questions

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%
No band — nothing here benchmarks what a household ought to earn.
What you spendWorth a look
A year, today₹65.38L₹65,37,600
Of what you earn
83%
The same life, later
₹1.8Cr
Largest single line
₹27.24L · Rent in Dubai, 42%
Measured against your own income, not against anybody else’s spending.
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
No band — the implied rate comes from your own repayment schedule.
An illustrative household: Two adults, 38 and 36, two children, earning in Dubai and settling in Pune. Income in dirhams and rupees, one plan in rupees.

Money Manager · income in any currency

Income before tax, in the country and currency it is paid in.

A salary in dirhams, rent from a flat in rupees, a pension that starts later: each income row keeps its own country, currency and start and stop dates — any of 142 currencies — and is converted once into the currency you will spend. Income is entered before tax, and the plan does not model tax.

The What you earn card then shows the year, the month, how much of it would survive a job loss and what is left over after spending and loans — 17% for the illustrative household above.

Entering money in another currency →

Your Location

Where you earn and spend todayUnited Arab EmiratesNew rows start here · today’s spending is read against it
Where you will be livingIndiaFixes the plan’s currency, rates and schemes

When will you move to India?When I stop workingat 55

RowWhereStartsEndsAs enteredIn INR
SalaryUAETodayAt 55AED 30,000 / mo≈ ₹6.81L / mo
Rent from the Pune flatIndiaTodayAt the moveINR 25,000 / mo₹25,000 / mo
Rent in DubaiUAETodayAt the moveAED 10,000 / mo≈ ₹2.27L / mo
School feesUAETodayAt 52AED 5,000 / mo≈ ₹1.14L / mo
Living in DubaiUAETodayAt the moveAED 9,000 / mo≈ ₹2.04L / mo
Living in PuneIndiaAt the move—INR 1,25,000 / mo₹1.25L / mo
Home loanIndiaTodayPaid off 2037INR 35,00,000₹35L
S&P 500 ETFNYSE——USD 27,000≈ ₹22.52L
Each row keeps its own currency and dates and converts once, at today’s rate, before anything is computed — a row in another of the eleven markets inflates at that country’s rates, anywhere else at the plan’s. A row with no rate stays in its own units and says so.

Money Manager · household budget, benchmarked

Living costs in ten categories, against the typical range for your city.

Start with one spending figure, or split it into ten categories — housing, groceries, utilities, transport, health, schooling, personal care, travel, dining out and everything else — and break any of them into its own lines. Each line opens empty, with a Use typical button beneath it and the typical range for your country and city tier beside it.

Those ranges are derived, not surveyed, and the product says so. The What you spend card reads your spending as a share of your income — measured against your own money, not anybody else’s.

How spending is benchmarked →
Where a typical spending range comes from, in three columns. Property tax, maintenance, a repairs reserve and home insurance are a share of your own home's value. Dining out, subscriptions, hobbies and travel are a share of what you already spend, scaled by how you say you live. Groceries, utilities, transport and phone are your country's city figure adjusted for your city tier. Beneath, one spending line as the form shows it: an empty box, a Use typical button, and the typical range for your country and city tier drawn from low to high. A note says the box opens empty and taking the typical figure is a choice the plan records.

Money Manager · inflation by kind of cost

School fees and healthcare rise faster than groceries. The plan knows.

Every cost carries one of three inflation classes — general, education or medical — at the rate for your country: each central bank’s published target for general prices, and faster rates for schooling and medical care. Eleven countries, every rate shown and every rate yours to change.

A cost in another country grows at that country’s rates until it ends, so rent you still pay abroad and the life you will live after a move are each priced where they happen.

The six assumptions, and when to change them →

Why it matters

The same money today, 25 years apart — India’s default rates

Medical 12%Education 8%General 4%today+25 yrs

Money Manager · loans and life goals

Each loan at the rate it really costs, each goal in the year it falls due.

Give a loan what is outstanding, the payment and the years left, and the What you owe card shows the rate those repayments imply — worked out from your own schedule, never a country average.

Life goals — university, school fees, a wedding, a home, care for a parent — each have a year and a cost in today’s money. Give your children’s ages and a higher-education goal is offered in the year each one turns 18; the cost is yours to fill in, and nothing is added until you press the button.

Adding a life goal →
Two panels. On the left, a home loan with ₹35,00,000 still outstanding, ₹40,000 paid each month and 11 years left, and an arrow to the rate those repayments imply: 8.3%, with a note that with no schedule there is no rate, never a country average. On the right, a child aged 7 today, and an arrow to a higher-education goal offered for 2037, with the cost left empty for the family to fill in and a note that the year is arithmetic and the cost is never invented. Illustrative figures for one household.

Action Items · what is still a guess

The parts of your plan that are still estimates, named and ranked.

A home with no upkeep priced in, no healthcare anywhere, one figure standing in for a whole life’s spending: Action Items names each one with the reference point it was measured against. A rule that cannot quote one does not fire.

The list is ranked by what is most obviously true, and plan health sums up what is still open. Fix an item, commit to it or dismiss it — nothing changes your plan until you press something.

What Action Items are →

Your plan

What needs your attention

Plan healthAt risk
A rung has the money, but not in a form it could use₹30,00,000 of ₹30,00,000. The money is there, but only 90.3% of what this rung needs is in something it can actually use. Runway if income stops, so you never sell your investments at a loss to eat.
Nothing in your plan pays for healthcareMedical costs compound at your plan's medical inflation rate, the fastest of the three, and there is nothing here for them to compound.

Ranked by what is most obviously true, not by what moves the number most.

Plan confidence · how much is your own

How much of the answer rests on your figures, not a default.

Plan confidence measures inputs, not outcomes: how much of the projection rests on figures you gave rather than on a country default. It is not a probability — the outcome word on the Overview answers that.

Its unanswered items are the list of what would sharpen the plan, and a debt-free household or one with no goals is never marked down for it.

What plan confidence counts →

Your plan

How complete this plan is

70% Taking shape

Not a probability — that is what the outcome word answers. This is how much of the projection rests on figures you gave us rather than on a country default.

  • Your ages and where you will be living
  • What you spend, category by category
  • What you have saved
  • What you earn
  • Which savings are your emergency buffer
  • Whether each property is your home

The unanswered ones are the list of what would sharpen it.

What only Nivritee does

Your everyday money, joined to the plan it pays for.

Budgeting apps stop at this month and FIRE calculators ask for one spending figure. The Money Manager feeds every income, cost, loan and goal straight into your FIRE Planner and your Freedom Ladder.

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.

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

Eleven 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.

What each kind of money app typically covers, against Nivritee’s six pillars. Named apps are on the comparison page.
Kind of appPortfolio TrackerFIRE PlannerMoney ManagerFamily FinanceNivFreedom Ladder
Portfolio trackers Yes No No Partly Partly No
FIRE calculators No Yes Partly Partly No No
Budgeting apps Partly Partly Yes Partly Partly No
Document vaults No No No Partly No No
Nivritee Yes Yes Yes Yes Yes Yes

Questions

What people ask about the Money Manager.

Is the Money Manager a budgeting app or an expense tracker?

Neither, deliberately. It does not import transactions, connect to a bank or set a budget per category each month. You enter what you earn, spend and owe as monthly or yearly figures, and it measures them against your country, your city and inflation — and feeds them straight into your FIRE plan.

How does Nivritee benchmark my spending?

Each spending line is compared with a typical range for your country and city tier. The ranges are derived rather than surveyed — a share of your own home’s value for upkeep, a share of what you already spend for discretionary lines, and your country’s city figure adjusted for your tier for the rest — and each range is labelled as typical, never as your target.

Which inflation rate does each expense use?

Each category carries a class — general, education or medical — and grows at your country’s rate for that class, so school fees and healthcare rise faster than groceries. A row in another country grows at that country’s rates. Every rate is shown and every rate is yours to change.

How does it work out what my loan costs?

From the three figures you give it: what is still outstanding, the regular payment and the years left. The rate those repayments imply is shown on the loan. Where the schedule cannot say, no rate is shown — it never substitutes a country average and presents it as yours.

Can I plan for school fees, a wedding or a new home?

Yes. Life goals cover higher education, school fees, a wedding, a home, a car, travel, care for a parent, a health buffer and starting a business, each with a year and a cost in today’s money. Where you give your children’s ages, a higher-education goal is offered in the right year with the cost left for you to fill in.

Is the Money Manager free?

Yes. Free, no paid tier, and nothing to sell. It needs a free account: eight answers give you a first plan in about two minutes, and you add the detail at your own pace.

See what you earn, spend and owe, in one currency.

About two minutes to a first answer from eight figures, then break your spending down at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.

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