Why Nivritee
Most plans fail quietly, decades before anyone notices.
Not from a crash. From assumptions that were a point or two optimistic, compounded across thirty years until the gap is too large to close.
Compounding
The lever that expires.
Starting ten years earlier usually beats saving twice as much later. Time is the only input that cannot be increased once spent.
Seeing the curve for your own figures is the point — it is the difference between knowing this and believing it.
Category inflation
Not everything you buy inflates the same.
Education and healthcare have outrun headline inflation in nearly every economy, often by several points a year.
We price a degree at education inflation and a hospital stay at medical inflation, because pricing both at the general rate quietly understates the plan.
Where you live
The same savings, a different life.
A number that works in one country can fail in another. Inflation, returns and medical costs differ, and so does what a currency buys.
Eleven countries, each with its own rates and statutory schemes — EPF, CPF, 401(k), Superannuation, KiwiSaver and the rest.
A straight answer
You are told plainly whether it holds.
On track, thin, or short — with the reasoning underneath and the year any problem first appears.
Every conclusion is computed from your ledger by a deterministic rules engine, not written by a model trying to be encouraging.
See what your own numbers say.
About ten minutes to set up, and you can change every assumption we use. If the answer is uncomfortable, it is better to know now — that is the whole point of projecting it.
Start your plan