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NRI portfolio tracker · for Indians who earn abroad

Indian funds, US stocks, Gulf savings. One view.

Indian mutual funds, NSE and BSE shares, a US index fund, a savings account in Dubai, EPF and PPF from the years at home and a flat in Pune — in one currency, priced every weekday, with no bank or broker login. Then a FIRE plan priced in the country you will actually live in.

Start freeHow the Portfolio Tracker works

Portfolio Tracker

Where it is held
  • NSENational Stock Exchange of IndiaINR₹17L27% of listed
  • BSEBombay Stock ExchangeINR—
  • AMFIIndian mutual fundsINR₹16.5L26% of listed
  • NYSENew York Stock ExchangeUSD₹22.52L35% of listed
  • NASDAQNASDAQUSD—
  • LSELondon Stock ExchangeGBP₹7.84L12% of listed
  • US fundsUS mutual fundsUSD—
  • UK & EU fundsUK & European fundsGBP · EUR—

Converted once into INR, before anything is computed.

Eight venues priced every weekday. A pence quote on London is read as pence; a holding with no price yet is valued at what you paid, and says so.

Portfolio Tracker · NRI investment tracker

Everything in India and abroad, in one currency.

Indian mutual funds by scheme code, NSE and BSE shares and ETFs, Sovereign Gold Bonds, and holdings on NASDAQ, NYSE and the London Stock Exchange, with US, UK and European funds. Each is priced from its market’s daily close and converts once, at a checked daily rate, into the currency you will spend.

NRE, NRO and foreign bank accounts go in as deposits: enter each account in its own currency and name the country it is banked in. A SIP into an Indian fund is entered once and every instalment follows on the day it settled.

Every market the Portfolio Tracker covers →
Two groups of holdings flowing into one view. In India, held in rupees: mutual funds priced from AMFI data, shares and ETFs on NSE and BSE, EPF, PPF and NPS, and a flat and a deposit. Abroad, each in its own currency: a Gulf savings account in dirhams, US shares and ETFs in dollars, a London fund in pounds and a Singapore deposit in Singapore dollars. An arrow joins both to one view in one currency — everything held, added up in the one you spend — feeding your real return and your FIRE plan. Beneath: no bank or broker login, each holding added once.

Portfolio Tracker · NRI net-worth tracker

EPF, PPF, NPS and the flat at home, beside it.

Provident funds and pensions from the years in India, gold and jewellery, a deposit in rupees and a savings account in dirhams — one net worth. A flat you will live in is counted for net worth and never as money to draw down; a flat you let out counts toward your corpus.

Money you mark as the emergency fund leaves the corpus and sits on the Freedom Ladder’s first rung, wherever it is banked, so the same rupee is never counted twice.

Investments

  • India retirement schemes₹12L
    EPF₹8L
    NPS₹4L
  • Cash savings & bank deposits₹20.48L
    Savings account · UAE · AED 40,000₹9.08L
    Savings account · India · emergency fund₹5.4LThe emergency fund — the whole account
    Fixed or term deposit · India₹6L
  • Market investments₹73.86L
    Listed holdings · 5, on 4 markets₹63.86L
    Not listed · typed as one figure₹10L
  • Metals & jewellery₹8L
    Gold jewellery₹8L
  • PropertyNot counted
    Flat in Pune · where you will live₹75LYour home — net worth, not corpus
Everything you hold ₹1.14CrCounted toward your independence corpus ₹1.09Cr
Any class can stay one figure or be broken down. Money set aside as the emergency fund leaves the corpus and sits on the ladder’s first rung instead.

FIRE Planner · financial planning for NRIs

Earn in one country, settle in another, in one plan.

Say where you earn and spend today, where you will be living when you stop working, and when you move. Salary, rent, school fees and loans each keep their own country, dates and currency; the plan reports in the currency of the country you will live in.

The life after the move is priced at India’s rates, with medical and education costs at their own, faster ones. A cost in another of the eleven countries Nivritee plans for — London, Singapore, the US — rises at that country’s rates; anywhere else, such as the Gulf, at your plan’s.

Planning across countries →

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.

FIRE Planner · currency stress test

Test the exchange rate, not just the market.

Your money abroad buys 15% less applies a 15% fall, on the day you stop working, to everything you hold, earn, pay or expect in another currency — modelled on two recorded currency moves, the larger the pound’s after 2016. For the illustrative household the plan lasts to 90, ₹3.96Cr lower.

Tick it beside a 2008-style crash and the two compose into one line: together they take the same plan to “runs out at 82”. Your FI number, your Financial Freedom Index and where you stand among households in India sit beside it.

How the FIRE Planner works →

FIRE Planner

Your corpus, year by year

Workable Lasts, with a modest cushion

Savings when you stop earning₹8.45Cr₹8,44,77,725≈ ₹4.34Cr in today’s money
What if things go wrong? Your plan A 2008-style crash + your money abroad buys 15% less
Independence at 55Runs out at 8238557090
  • A 2008-style crashRuns out at 83
  • Your money abroad buys 15% lessLasts to 90, ₹3.96Cr lower
  • Both togetherRuns out at 82
AgeStageOpeningGrowthIncomeOutflowClosing
54Working₹7.22Cr+₹81.5L₹1.4Cr−₹98.7L₹8.45Cr
55Retired₹8.45Cr+₹58.2L—−₹29.75L₹8.73Cr
56Retired₹8.73Cr+₹60.15L—−₹30.94L₹9.02Cr
An illustrative household: Two adults, 38 and 36, two children, earning in Dubai and settling in Pune. Every row is computed on the server from the plan’s own figures and rates.

Family Finance · plan it with your partner

Your partner on the same plan, with their own login.

Your partner joins with their own sign-in, and each of you chooses whether the other can view or edit your side. Two careers and two stop dates in one household plan, with every row saying whose it is.

Invite your CA in India, or a parent, to see exactly what you choose — read-only, withdrawn whenever you like.

How Family Finance works →

Family Finance

PeopleWho is on your plan, and who can see it.
+ Add a person
PersonAgeAccess
Your partnerPartner36JoinedPlanning together, with their own sign-in
Your motherParent64AcceptedSees: The family plan: every section and results
Your CAChartered Accountant51Pending approvalWaiting for your partner to approve · then it is emailed
A close friendTrusted friend40SentSent on 26 Sep 2026 · link valid until 10 Oct 2026
Your brotherBrother or sister33Not invitedOn your plan · invite them to see it whenever you are ready
The app’s own People table and its own words. Roles stand where names would be: nobody here is a real person. Anyone invited can only look — never change a figure, never read a conversation with Niv.

Niv · free AI financial assistant

Ask Niv what stopping at 52 would do.

Niv reads your holdings, your spending, your buckets and your plan. Ask her a what-if and she runs it on your own projection and reports both figures — she never does the arithmetic in her head.

She explains; you decide. She never recommends buying or selling anything and has nothing to sell you.

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 22.9% of your savings that year against 3.5% on your plan as it stands. That is the difference between Workable and Short.

Ran a what-if · independence age 52

What only Nivritee does

One tracker for both countries, and the plan that joins them.

Most portfolio trackers stop at one country’s holdings, and FIRE calculators do not know what you hold. Here both read the same figures, in one currency. See the full comparison →

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.

Questions NRIs ask

Tracking India from abroad.

Can I track Indian mutual funds and shares from abroad?

Yes. Indian mutual funds are found by name or scheme code and valued at each day’s published NAV; NSE and BSE shares and ETFs are priced from the exchanges’ own daily files. You enter the units and what you paid once — there is no broker login and no statement upload.

Can I add NRE, NRO and foreign bank accounts?

Yes — enter each account as a deposit, in the currency it is held in, naming the country it is banked in: a rupee account in India, a dirham account in Dubai, a pound account in London. Nivritee counts each balance and converts it at a checked daily rate; it does not treat one account type differently from another.

Which currency does everything show in?

The currency of the country you will be living in when you stop working — rupees, for a household that will settle in India. Each holding and deposit keeps its own currency underneath and converts once, so the portfolio and the plan are always the same money.

Does Nivritee work out my NRI tax?

No. Nivritee does not give tax advice and does not work out residential status, Indian or foreign tax, or treaty relief. It tracks what you hold and projects the figures you give it.

What if I do not know when I will move back?

Choose when you stop working, an age of your own, or that you already live there — and change it whenever you like. Rows that stop at the move stop, rows that start there start, and nothing you typed is rewritten.

Is it free?

Yes. Free, with no paid tier, no commissions and nothing to sell. Nobody at Nivritee can open your plan or your holdings.

Put India and abroad in one view.

Free, with no bank or broker login. About two minutes to a first plan from eight answers, then add each holding and account in the currency it is really in.

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