Everything in Bhavitta, on one page. The home page shows the six most people come for; these are all twelve, in the order you meet them in the app. Every one of them runs on your phone with no account.
Life-stage timeline
Map every chapter as a stage — any of 49 curated cities (11 in the US, 38 worldwide) or one of your own, each at a Premium, Comfortable, or Modest lifestyle, plus college, retirement, and owning or renting. Gaps auto-fill so the model never breaks.
Two simulation models
Replay decades of real market history (1928–2023, nominal or inflation-adjusted) or run 10,000 Monte Carlo trials. Both give you a probability fan and your true survival rate.
Stress-test heatmap
A return × inflation grid shows exactly how sensitive your plan is to the two assumptions that move the needle most.
Year-by-year ledger
An amortization view of resolved cash flow — income, taxes, expenses, college, property, one-time events, and closing balance — for any percentile path, in today's dollars by default.
Compare scenarios side by side
One tap opens Compare with a plain-language winner line — "Moving to Bangalore at 50 lets you retire 4 years earlier" — overlaying up to three plans with success rates and closing balances together, or export Markdown for an AI second opinion.
One score for "am I ready?"
A single 0–100 readiness score sits above the chart, with a plain-language reason why and the changes that would move it most — retire later, spend less, or survive a bad first year. Share the result (amounts hidden by default) or set a check-in reminder, entirely on-device.
Backups you own
Back up every scenario to a single file and restore it on any phone — your plans survive a lost device without any cloud account.
Private by design
Everything is stored locally on your device. No accounts, no servers — your numbers never leave your phone. 21 display currencies, including Indian lakh/crore grouping.
Build and edit by voice
Turn on voice control and speak a scenario into existence, add a stage, or adjust an input — English or Hindi, or a mix. Runs entirely on-device; your voice never leaves your phone.
Curated news, filtered on-device
Artha, the News tab, pulls retirement, FIRE, NRI, tax, and market stories from trusted sources and personalizes them locally to your plan. Tap "See how this affects my plan" on a relevant story to open it as a what-if. Live index, currency, and commodity tickers up top; what you read is never sent anywhere or tracked.
Try a what-if in one tap
Model a job loss, a market crash, retiring early or late, moving abroad, or a big expense — see the before/after instantly with direct retirement-age and spending sliders, then keep it in this plan or save it as a new scenario.
A library of life events
Add a wedding, a baby, a raise, a sabbatical, or a move from a grouped picker instead of a blank form — or start from a ready-made life story, like retiring early or caring for parents, as its own scenario.
Want the mechanics behind the score and the fan chart? Read how the readiness score works, or see a complete India-vs-US worked example.
Run it with your own numbers
Free on iPhone and Android. No account; your plan never leaves your phone.
Download on the App Store Get it on Google Play