Money, understood
Plan major life decisions across currencies.
Avoid costly currency surprises. See your real net worth, model retirement timing, and stress-test every decision before it costs you money.
You're on the list
We'll send you one email when access opens. That's it.
Built because no planner handled my actual life: assets in three currencies, debts in two, retirement that crossed borders. Join the early-access list and we will email you when the planner opens. More on our beliefs and planning across currencies.
Who it's for
For people whose money crosses borders.
Multi-currency planning is the core of nidhi. The beta is for people who need their full plan to work across borders, not as an afterthought: the same money can behave differently depending on where you live, work, and spend it. Read the primer on purchasing power across countries.
- You cannot answer "Can I afford this?" without rebuilding your spreadsheet.
- Your retirement plan changes depending on where you eventually live.
- You are comparing a property purchase, career change, or other major financial decision.
- Your financial picture is spread across accounts, assets, debts, and future expenses.
The model
Start with your real financial life.
nidhi is built around what you own and what you owe, what you earn, and what you expect to spend. From there, it projects your path and lets you compare choices before you make a financial decision.
- 1
Add the pieces
Assets, debts, income, recurring expenses, future costs, and the currencies they live in.
- 2
See the path
Net worth, cash flow, retirement timing, and the assumptions behind the projection.
- 3
Compare the decision
Buying property, saving more, changing jobs, adding future expenses, or retiring earlier.
Early access
What early access will include.
Early access is focused on the planning questions that get messy when your money crosses borders. These are the core areas we want users to pressure-test first.
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Multi-currency net worth
Track assets and debts in different currencies, then view the whole picture in the currency you actually spend. Read how cross-currency planning changes the picture.
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Retirement and early-retirement projections
See possible timing, key assumptions, and how the path changes when your savings or costs change. Start with financial independence basics.
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Goal and expense planning
Map expected income, recurring costs, and future expenses into the same long-range plan. Read about setting concrete financial goals.
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What-if comparisons
Model major decisions like buying property, saving more, taking a lower-paying job, or changing key assumptions.
Available now
Use the free tools while the full planner opens up.
The full planner is opening in stages. In the meantime, the free tools and blog are live.
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.
Early access
Join the early-access list
Be the first to know when early access opens
Drop your email and we'll let you know when nidhi opens access to the full planner. No spam, no newsletters, just the launch note.
You're on the list
We'll send you one email when access opens. That's it.