Money, understood

See your full financial picture, in any currency.

Track net worth across currencies, project when you can stop working, and compare decisions before you make them.

One email when we launch. Privacy policy.

Built because no planner handled my actual life: assets in three currencies, debts in two, retirement that crossed borders. Free during beta, free tier always after. More on our beliefs.

Example output A summary card showing a net worth of EUR 124,300 split across three currencies (EUR 62%, USD 28%, INR 10%), above a sparkline that traces the last twelve months of growth and continues with a dashed twelve-month projection. NET WORTH EUR 124,300 EUR 62% · USD 28% · INR 10% 12-MONTH TRACK 12 mo ago today + 12 mo

Example outputillustrative
Live ECB rate: loading…

See your wealth in any currency, all at once.

Track every asset and liability in any currency. See your net worth in your spending currency, with live ECB rates. See where the concentration sits, and where it should not.

Multi-currency net worth example A list of multi-currency assets with their values, a donut showing the currency split (62% EUR, 28% USD, 10% INR), and a total of EUR 451,200. TOTAL NET WORTH EUR 451,200 Apartment, Prague EUR 280,000 Brokerage, US USD 47,300 Savings, India INR 8,40,000 Mortgage, EUR EUR -110,000 EUR 62% USD 28% INR 10% Currency split, all converted to EUR

Example outputillustrative

Know when you can stop working.

Inflation-adjusted projections for net worth, retirement, and financial independence. The assumptions are visible alongside the answer. Change them, and watch the year move.

Projections example A net-worth projection from today rising to cross a horizontal financial-independence target line at year 16, with the underlying assumptions (real return, inflation, savings rate) listed below. Financial independence Reaches FI at year 16 today +25 years Real returns 5% · Inflation 2.5% (EUR) · Savings rate 38%

Example outputillustrative

Compare decisions before you make them.

Run two paths side by side. Higher savings rate, different asset mix, foreign-currency mortgage, retirement in a different country. Each gives a yes-or-no, not a guess.

What-if comparison example Two net-worth paths over twenty years. The path where the saver puts away five percentage points more ends about EUR 220,000 higher. Save +5pp Current today +20 years After 20 years: about EUR 220k more by saving 5pp extra.

Example outputillustrative

nidhi is for you if:

  • You hold money or debts in more than one currency.
  • You have moved countries, or plan to, and your savings have not caught up.
  • You want to know, with some confidence, when you can stop working.
  • You want to see what changes if you save five percent more, or take a lower-paying job you actually want.
  • Your retirement depends on where you eventually live.
  • Your spreadsheet has stopped keeping up, or you would rather not maintain one at all.

If any of these sound like you, drop your email below.

What this means for your data

  • Free-tool calculations run entirely in your browser. Your numbers never leave the page.
  • No ads. No data selling. Analytics on EU servers only (PostHog Cloud EU).
  • We never share or sell your email. One click to unsubscribe from anything.
  • GDPR-aware. Read the full privacy policy.

Be the first to know when we launch

Drop your email and we'll let you know the moment nidhi goes live. No spam, no newsletters, just the launch.

One email when we launch. Privacy policy.