Ten years ago
A calculator after a dinner-table argument
How much is enough to stop working? One evening, one set of friends, and a calculator built to find out — the first version of the question this product answers.
About us
Nobody reads your finances. Not even us.
Most financial planning sold to individuals is a product with a story attached. The part that decides the outcome — what your life will cost, at each category’s own inflation, in the country you will be living in, against what your money actually earns — is a calculation. So we built the calculation, published every rate that goes into it, left the story out, and built nothing that lets a person read your figures.
What happens to what you type
- Encrypted in transit and at rest. TLS everywhere, AES-256 at rest.
- Never seen by a person. There is no internal tool that displays your finances, because we did not build one.
- Never sold, never pooled. Used to compute your plan and nothing else.
- Yours to delete. A hard delete, not a flag.
0 screens
in this company that can display your plan or your holdings. The viewer was not restricted — it was never built, and a test fails the build if one appears
0 figures
in any email we send. Not a corpus, not an age, not a rate, and above all not the verdict
0 partners
no figure, rate or verdict leaves this system attached to a name. There is nobody for us to introduce you to
$0
for the whole projection, the stress tests, the index, the Freedom Ladder and Investment Performance. There is no paid tier holding the answer
Your data
Never seen by a person, by construction.
There is no internal tool that displays what you enter — not your plan, not a holding, not a transaction. The administrative panel shows counts, timestamps and the names of fields somebody edited, and a test fails the build if an amount, a rate, an age or a verdict ever reaches it.
No email carries a figure. The price job fetches a security’s close without knowing who holds it. Encrypted in transit and at rest, never sold, never pooled, never used to train anything — and deletion is a hard delete of plan, holdings, conversation and account.
Who built this
A personal problem, worked on for ten years.
Nivritee was built by Amit Goel, a product builder with twenty-four years of shipping technology products — today Chief Product Officer at Moving Walls, before that product leadership at The Trade Desk, Amagi and Knowlarity, and founder of his own company, Patterbuzz. It is also the answer to a question he has been asking himself for a decade.
About ten years ago, at dinner with friends, an argument started about how much is enough to stop working — and nobody could settle it. So he built a calculator that night to try. It did not settle it either, because it could not know the one thing that mattered: what his own life would cost, at its own inflation, in the place he would be living it.
The name is the point. Nivritee is from the Sanskrit निवृत्ति — withdrawal, freedom from obligation. To him it meant freedom from depending on a job: the day you can do what you love — for him, building products — without worrying about what happens if it fails.
Amit Goel
Founder, Nivritee
Twenty-four years building technology products · Chief Product Officer at Moving Walls · before that The Trade Desk, Amagi and Knowlarity · founder of Patterbuzz · IIM Bangalore
The long way round
Everything here was learned with real money first.
Nivritee is the tool he wanted at each of these steps and could not find — one that shows the whole household, in every country, against what the money actually earns, without selling anything.
The hard way
Investing, losing, winning, learning
Angel investments in startups. Stocks on NASDAQ, the Hong Kong exchange and India’s. Mutual funds. Some went well and some did not, and every one of them taught something a brochure never did.
Paying for advice
A wealth adviser, for a few years
A wealth-advisory and portfolio-management firm, paid in commissions, to manage income and investments. The lesson: for someone who knows the fundamentals and has a moderate appetite for risk, the fees buy very little that careful planning does not.
Then AI
The tool, finally built
AI made it possible for one builder to do what used to need a team: a real engine, eleven countries, eight markets and an adviser who will not invent a number. That became Nivritee.
What we believe
Independence is the goal. Stopping work is one thing it pays for.
The number is a floor, not a finish line. Below it, your options are set by your next payslip. Above it, they are set by you — and most people who cross it keep working, differently.
That is why the verdict is about whether a plan holds rather than about a date, and why the product tracks a whole household’s money rather than one pot.
Niv
An adviser who will not say what she cannot compute.
Niv spent her career in banking and public finance. Ask “what if I stopped at 52” and she re-runs the projection — the same engine that drew your chart — and reports the base and the variant, so she can tell you which is larger without doing arithmetic of her own.
She explains figures; she never invents them, and she names no security to buy or sell. Any change she proposes stays a button until you press it, and your conversation is yours to delete.
What we do not do
The limits, stated up front.
We are not licensed advisers and this is not advice. We do not model tax, we do not run Monte Carlo simulations, we do not connect to your bank or broker, we do not recommend a product, and we will never introduce you to somebody who sells one.
Every figure is a projected estimate under assumptions you can see and change — not a prediction. Where the product is uncertain it says so, which is a worse sales pitch and a better planning tool.
How to reach us
Three answers people write in for.
Nivritee is small and deliberately so. If something here is wrong, the fastest way to get it fixed is to say which figure and on which page.
A rate looks wrong
Tell us which, and where
Every rate carries a documented basis, and they are reviewed. If one is stale or mistaken it is a data change, not a code change, and it can move quickly.
A market is missing
Adding one is data, not code
The engine contains no country literal at all — a market is a set of rates, benchmarks, schemes and, where one exists, a household survey. Exchanges are added the same way, once a daily price feed for them exists.
Delete my account
From inside the app, and it is final
Plan, holdings, conversation, usage record and account together. Nothing is retained behind a flag, and there is no copy for us to look at afterwards.
See where your own numbers land.
About two minutes to a first answer, 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