Bhavitta: FIRE Planner

Bhavitta is a private, on-device retirement-readiness check and planning tool. 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
Anyone planning for retirement who needs more than a back-of-the-envelope estimate —
whether you'll live and retire in one country or move between them. Especially useful
when your income, taxes, and cost of living change over the years.

BUILD A LIFE-STAGE TIMELINE
• Map each chapter as a stage: a city in India, a US cost-of-living tier, 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, a pension or
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.
• Add life events from a grouped picker — a wedding, a baby, a raise, a sabbatical —
or start from a ready-made life story like retiring early or caring for parents.

TWO SIMULATION MODELS, ONE PICTURE
• Replay decades of real market history (1928–2023 — nominal, or inflation-adjusted
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.

READINESS SCORE
• A single 0–100 score answers "am I ready?" at a glance, with a plain-language
reason why and the earliest age you could stop working.
• See the top changes that would move it most — retire later, spend less, or
survive a bad first year — then try one as a what-if.
• Share the result or set a private, on-device check-in reminder.

TRY A WHAT-IF
• Model a job loss, a market crash, retiring early or late, moving abroad, or a
big expense — see the before/after instantly.
• Keep the change in this plan, or save it as a new scenario to compare.

STRESS-TEST & COMPARE
• A return × inflation heatmap shows how sensitive your plan is to the two assumptions
that matter most.
• Compare scenarios side by side with a plain-language winner line, 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.

STAY INFORMED — ARTHA NEWS
• A curated retirement and cross-border finance feed — FIRE, NRI, tax, markets —
personalized to your plan and filtered entirely on your device from trusted
sources, with a one-tap link from a relevant story into a what-if. A live
market ticker for major US and Indian indices, never a server or an account.

PRIVATE BY DESIGN
• Everything runs on your device. No account, no sign-up. Your financial plan,
timeline, and scenarios never leave your phone. The app uses anonymous, non-
identifying usage analytics (no personal or financial data, never linked to you)
to help us understand which features are useful — full detail in our privacy
policy.

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.

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