Bhavitta is a private, offline FIRE planner for people building wealth across countries — a career in the US, retirement abroad, assets on both sides. Map your whole life as a timeline and see whether the plan actually survives.
From your US career years to a retirement abroad — income, taxes, a home, kids' college, social security, and one-time events — all on a single interactive timeline.
Map every chapter as a stage — US HCOL/MCOL, a foreign city (30+ curated), college, social security, owning or renting. Gaps auto-fill so the model never breaks.
Replay real US market history (1928–2023, nominal or Shiller-real) or run 10,000 Monte Carlo trials. Both give you a probability fan and your true survival rate.
A return × inflation grid shows exactly how sensitive your plan is to the two assumptions that move the needle most.
An amortization view of resolved cash flow — income, taxes, expenses, college, property, one-time events, and closing balance — for any percentile path.
Overlay up to three plans on one chart with success rates and closing balances together — then clone, rename, share an image, or export Markdown for an AI second opinion.
Bhavitta finds the earliest age you could stop working and still meet your confidence benchmark — and a goal line shows the age your median path reaches your target.
Back up every scenario to a single file and restore it on any phone — your plans survive a lost device without any cloud account.
Everything is stored locally with SwiftData. No accounts, no servers — your numbers never leave your phone. 21 display currencies, including Indian lakh/crore grouping.
Tap anything to edit. Watch numbers update live as you reshape your plan.
Your age, starting corpus, expected return, inflation, and household size — with sensible cross-border defaults.
Add the places you'll live and the events along the way. Each stage's income and spending roll up automatically.
See a fan of projected balances, your survival odds, your earliest retirement age, and a stress test — then tune and compare scenarios.
Create a scenario, add life stages, then review the Monte Carlo projections, Stress Test heatmap, and Ledger.
Bhavitta is built to be useful without ever asking you to trust it with your data.
Every scenario, life stage, and dollar amount is stored locally with SwiftData. It's never collected, uploaded, or shared — that hasn't changed.
The app sends anonymous, non-identifying analytics (which screens get used, which features get tapped) to help us improve it — never your financial data, never linked to you or your device's identity, and never used for cross-app tracking.
Exporting a scenario or a share-image is always explicit, through the standard iOS share sheet you initiate.
In short: there is no account to create, your financial plan never leaves your phone, and nothing is ever linked back to you.
We'd love to hear from you — bug reports, feature ideas, or help getting started. Reach out and we'll get back to you.