Bhavitta: FIRE Planner
Cross-border Retirement Plan
About
Plan your financial future across borders with a private, offline simulator. Map life stages, simulate market history or Monte Carlo trials, and stress-test your plan for wealth building and early retirement.
What's New in Bhavitta
1.2.2
August 4, 2026
This update fixes an issue where the ledger could show incorrect numbers after editing your life-stage timeline, and improves how gaps between stages are handled so your plan stays accurate as you adjust it. We've also added a new stage type: EMI. Use it to model a short-term loan or financed purchase — enter the loan amount, interest rate, and term, and Bhavitta automatically works the monthly payment into your retirement plan.
MoreFAQ
What is Bhavitta?
Bhavitta is a private, offline financial planning tool designed for individuals building wealth across countries. It helps you map out your financial future, simulate potential outcomes, and stress-test your plans for financial independence and early retirement.
Is Bhavitta free to use?
Yes, Bhavitta is available for free. The app is designed to be accessible for users planning their financial future, especially those with complex cross-border situations.
Does Bhavitta have ads?
No, Bhavitta does not contain advertisements. The app is designed to be private and runs entirely on your device, ensuring an ad-free experience.
What devices does Bhavitta support?
Currently, Bhavitta is supported on iPhones. The app is designed to run locally on your device for maximum privacy and offline functionality.
How does Bhavitta simulate financial outcomes?
Bhavitta offers two simulation models: it can replay actual US market history from 1928-2023 or run 10,000 Monte Carlo trials based on your expected return and volatility. This provides a probability 'fan' of outcomes and your survival rate.
Can I compare different financial scenarios in Bhavitta?
Yes, Bhavitta allows you to save multiple scenarios and compare them side by side against a feasibility benchmark. You can easily clone, rename, and tune scenarios to see how different choices impact your financial plan.
How secure is my financial data with Bhavitta?
Bhavitta is private by design, with everything running on your device. There is no account, sign-up, analytics, tracking, or servers, meaning your financial plan never leaves your phone and the app works fully offline.
When was Bhavitta last updated?
The latest version of Bhavitta is 1.1, and it was last updated on July 5, 2026. The app is actively maintained to provide users with reliable financial planning tools.