Bhavitta: FIRE Planner

Bhavitta is a private, offline planner for people building wealth across countries — a career in the US, a retirement abroad, and assets on both sides. Instead of guessing with a single "magic number," you map your whole life as a timeline and watch a real simulation engine tell you whether the plan survives.

WHO IT'S FOR Cross-border professionals, NRIs, and anyone chasing FIRE (Financial Independence, Retire Early) who needs more than a back-of-the-envelope estimate — especially if your income, taxes, and cost of living change as you move between countries.

BUILD A LIFE-STAGE TIMELINE • Map each chapter as a stage: US high- or moderate-cost-of-living years, or a move abroad to one of 30+ curated cities (Bangalore, Lisbon, Chiang Mai, Dubai, Mexico City, Singapore, Tokyo and more), each with realistic local costs. • Layer in the things that actually move the needle — kids' college, Social Security, buying or renting a home (with mortgage payoff and sale proceeds), and one-time events like a windfall or a down payment. • Each stage shows its own total income and spending, and uncovered years auto-fill so the model never breaks.

TWO SIMULATION MODELS, ONE PICTURE • Replay actual US market history (1928–2023 — nominal, or Shiller real returns). • Or run 10,000 Monte Carlo trials from your own expected return and volatility. • Either way you get a probability "fan" of outcomes — from an optimistic upside, through a P90 planner line, to a conservative floor — plus your true survival rate.

STRESS-TEST & COMPARE • A return × inflation heatmap shows how sensitive your plan is to the two assumptions that matter most. • Save multiple scenarios and compare them side by side against a feasibility benchmark (P50 / P80 / P90 / P95). Clone, rename, and tune in seconds.

SEE EVERY YEAR • A full amortization ledger breaks down each year's income, taxes, expenses, college, property costs, one-time events, and closing balance — for any percentile path.

THINK IN YOUR CURRENCY • Display figures in 20 currencies, with Indian lakh/crore grouping for INR.

GET A SECOND OPINION • Export any scenario as clean Markdown to paste into ChatGPT, Claude, or Gemini.

PRIVATE BY DESIGN • Everything runs on your device. No account, no sign-up, no analytics, no tracking, and no servers. Your financial plan never leaves your phone, and the app works fully offline.

Bhavitta is an educational planning tool, not financial advice. Projections are estimates based on your inputs and historical or simulated market behavior, and are not guarantees of future results.