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.
Save plans side by side against a feasibility benchmark. Clone, rename, share an image, or export as Markdown for an AI second opinion.
Everything is stored locally with SwiftData. No accounts, no analytics, no servers — your numbers never leave your phone. Localized in 20 currencies.
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, and a stress test — then tune and compare scenarios.
Bhavitta is built to be useful without ever asking you to trust it with your data.
The app collects no personal data and includes no analytics or third-party trackers.
All computation runs on-device. Your plan is stored locally with SwiftData and is never uploaded.
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, nothing is tracked, and nothing leaves your phone unless you explicitly share it.
We'd love to hear from you — bug reports, feature ideas, or help getting started. Reach out and we'll get back to you.