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.
Why one financial home
Money in five places is a guess. In one, it is a plan.
A salary in one country, a fund in another, a deposit back home and a pension somewhere in between — each in its own app, or none. Whether it is enough is decided by inflation, when you started, where the money sits and the order the returns arrive in, and none of that can be read off a total you keep in your head.
Portfolio Tracker · multi-currency portfolio tracker
Every account in every country, added up in one currency.
Added up in your head at whatever exchange rate you remember, money in three currencies is a guess — and so is every decision resting on it. Earning in one country and settling in another is a different plan, not a conversion.
The Portfolio Tracker puts stocks, funds, deposits, pensions, gold and property from every country into one figure in the currency you will spend, converted daily, and the FIRE Planner projects from that same figure.
How the Portfolio Tracker works →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
| Row | Where | Starts | Ends | As entered | In INR |
|---|---|---|---|---|---|
| Salary | UAE | Today | At 55 | AED▾ 30,000 / mo | ≈ ₹6.81L / mo |
| Rent from the Pune flat | India | Today | At the move | INR▾ 25,000 / mo | ₹25,000 / mo |
| Rent in Dubai | UAE | Today | At the move | AED▾ 10,000 / mo | ≈ ₹2.27L / mo |
| School fees | UAE | Today | At 52 | AED▾ 5,000 / mo | ≈ ₹1.14L / mo |
| Living in Dubai | UAE | Today | At the move | AED▾ 9,000 / mo | ≈ ₹2.04L / mo |
| Living in Pune | India | At the move | — | INR▾ 1,25,000 / mo | ₹1.25L / mo |
| Home loan | India | Today | Paid off 2037 | INR▾ 35,00,000 | ₹35L |
| S&P 500 ETF | NYSE | — | — | USD▾ 27,000 | ≈ ₹22.52L |
Money Manager · inflation by class
Your costs do not rise at one rate, so your plan should not either.
In India’s defaults, general prices rise at 4% a year, school fees at 8% and medical costs at 12%. Over twenty-five years those are not three versions of one number; they are three different bills, and a plan that inflates everything at the headline rate quietly underprices the two that matter most later.
The Money Manager inflates each class of cost at its own rate, for the country it is paid in, and sets your spending against the typical range for your country and city.
How the Money Manager works →Why it matters
The same money today, 25 years apart — India’s default rates
FIRE Planner · why an early start matters
The first decade of saving does most of the work.
Two people saving the same amount at the same return, ten years apart, do not end ten years apart. The gap widens the whole way, because the earlier money spends longer compounding on itself.
So the useful question is not “how much should I save?” but “what does my plan look like if I start now, and how much worse is it in five years?” Niv runs exactly that on your own projection and reports both figures.
What Niv can do →
Freedom Ladder · the bucket strategy
Where money sits decides what a bad year costs.
While you are building, a bad year is a discount. Once you are drawing down, a fall early on is taken out of money that has to last decades, and it is never made back — the same average return can hold one plan up and sink another, depending on when the bad years arrive.
The answer is where the money sits. The Freedom Ladder holds it in four cumulative buckets — Survival you can reach today, Sustenance so a bad year never forces a sale, Sufficiency up to your FI number, and Surplus beyond it.
How the Freedom Ladder works →
FIRE Planner · what independence buys
FIRE is optionality, priced in years.
FI is the achievement: what you own can carry what you spend, without the next payslip. RE is one thing it lets you do, and it is optional and reversible. A year off that does not derail the next thirty, a venture where failing costs time rather than the house, being there when a parent or a child needs you.
Read that way, the goal is a threshold rather than a date — and the FIRE Planner tells you how far along you are, as a score out of 100 and the age your projection reaches it.
How the FIRE Planner works →
Family Finance · a plan for two
One plan for the family, already shared and already understood.
A household is two careers, two stop ages and one set of bills, and a plan kept by one person describes half of it. When both of you can open the same plan, each row says whose it is, and the family figure is your two sides added together.
Each of you chooses what the other can see or change, and your CA or lawyer can be given read-only access to exactly what you choose. Nothing has to be found or explained later.
How Family Finance works →Whose plan
| Reading | Your plan | Your partner’s plan | Family plan |
|---|---|---|---|
| Working | Until 55 | Not earning | Both, together |
| Earns | ₹84.72L | — | ₹84.72L |
| Holds | ₹71.44L | ₹42.9L | ₹1.14Cr |
| Spending share | 50% | 50% | 100% |
| Owes | ₹17.5L | ₹17.5L | ₹35L |
| Outcome | Their own | Their own | Workable · lasts to 90 |
What only Nivritee does
One home for the tracking, the planning and the family.
Each of those arguments ends at the same place: one set of figures, read by every pillar, for both of you. 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 about financial independence
Is financial independence the same as retiring early?
No. Financial independence is the point at which your assets can cover your life without the next paycheque. Retiring early is one thing you might do with it, and it is optional and reversible; most people who reach independence keep working, and what changes is that the work is chosen.
Why is the 4% rule not enough?
It was derived from one market, one currency and one historical period. Applied to a different country, a different inflation regime or a longer drawdown it can hold for years and then fail, and a single percentage cannot show you that. A year-by-year projection can, because it prices each cost at its own rate and shows the year the money is projected to run short.
What is sequence of returns risk?
The same average return can hold one plan up and sink another, depending on when the bad years arrive. A fall early in drawdown is taken out of money that has to last decades and is never made back; the same fall while you are still saving is a discount. Stress tests that move a fall to a particular year show it; an average hides it.
What is the bucket strategy?
Holding money in separate buckets by when you will need it, so a market fall never forces you to sell what you need next year — an approach associated with Harold Evensky and popularised by Morningstar’s Christine Benz. The Freedom Ladder is Nivritee’s four-bucket version: Survival, Sustenance, Sufficiency and Surplus.
Why track investments and plan in the same place?
Because a plan is only as good as the figures under it. When the tracker and the calculator are separate, the plan runs on whatever you last typed into it; when they are one, every holding you add moves the projection, and the return you actually earned can be set against the one the plan assumes.
Why should a couple plan together?
In many households one person knows where everything is. A plan both of you can open — each with your own login, each choosing what the other sees — means the whole picture is already shared and already understood, rather than something to be found and explained later.
See what your own numbers say.
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.
Start free