# Bhavitta: FIRE Planner — Cross-border Retirement Plan > Private, offline cross-border financial independence and early retirement planner. (iPhone/iPad app by Balaji Gururajan.) - Source: https://appshunter.io/ios/app/bhavitta-fire-planner/id6781692447 (this page in markdown: same URL + `.md`) - Developer: [Balaji Gururajan](https://appshunter.io/developer/6781692450) - Category: Finance, Productivity - Price: Free - Rating: 4.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 18.0 · 14 MB - Languages: American English, Hindi, European Portuguese, European Spanish - Released: 2026-06-25 - Data updated: 2026-08-17 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/bhavitta-fire-planner/id6781692447/reviews.md ## What is Bhavitta? Bhavitta is a private, offline planner for people building wealth across countries — a career in the US, a retirement abroad, and assets on both sides. 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 Cross-border professionals, NRIs, and anyone chasing FIRE (Financial Independence, Retire Early) who needs more than a back-of-the-envelope estimate — especially if your income, taxes, and cost of living change as you move between countries. BUILD A LIFE-STAGE TIMELINE • Map each chapter as a stage: US high- or moderate-cost-of-living years, 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, 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. TWO SIMULATION MODELS, ONE PICTURE • Replay actual US market history (1928–2023 — nominal, or Shiller real 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. STRESS-TEST & COMPARE • A return × inflation heatmap shows how sensitive your plan is to the two assumptions that matter most. • Save multiple scenarios and compare them side by side 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. PRIVATE BY DESIGN • Everything runs on your device. No account, no sign-up, no analytics, no tracking, and no servers. Your financial plan never leaves your phone, and the app works fully offline. 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. ## Key features - Build life-stage timelines - Simulate market history - Run Monte Carlo trials - Stress-test financial plans - Compare multiple scenarios - View yearly amortization ledgers - Display in 20 currencies - Export plans to Markdown ## Frequently asked questions about Bhavitta ### 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. ## Version history (last 5 releases) ### 1.2.3 — 2026-08-11 New - EMI (loan) stage type — model a car loan, personal loan, or any fixed-payment loan as its own stage, with a live estimated payment preview. Fixed - Two overlapping location stages (e.g. US HCOL and US MCOL covering the same years) could silently corrupt your ledger — saving one now blocks the overlap instead. - Gaps between stages (not just after your last one) now fill in correctly. Privacy - Added anonymous, non-identifying usage analytics to help us understand which features are actually useful. Your financial plan — timeline, scenarios, amounts — still never leaves your phone. Full detail in our privacy policy. ### 1.2.2 — 2026-08-04 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. ### 1.2.1 — 2026-07-20 New - Sydney, Melbourne, Brisbane, Perth, Adelaide, and Canberra join the curated Foreign City list (AUD was already supported as a display currency). ### 1.2 — 2026-07-13 New - Watch Walkthrough: a short in-app video tour of building a scenario, running projections, and reading the stress-test heatmap — plays right in the app, from Help & About or straight from your very first empty Timeline screen. ### 1.1 — 2026-07-05 ## 1.1 — Compare scenarios, retirement age, backups New - Compare Scenarios: overlay up to three plans on one chart and see success rates side by side. - Earliest Retirement: Bhavitta now finds the youngest age you could stop working and still meet your confidence benchmark. - Goal line: set a target amount and see the age your median path reaches it, right on the chart. - Back up all scenarios to a file and restore them anytime — your plans survive a lost or new phone. - Optional one-tap exchange-rate refresh (runs only when you tap it — the app stays fully private). - New Zealand Dollar (NZD) added to display currencies. Improved - Confidence levels now use plain names — Median, Conservative, Planner, Floor — with a built-in explainer. - Tap any slider's number to type an exact value (exact ages, exact amounts). - Edits save automatically — the Save button is gone because you never needed it. - A Done bar above the number keyboard, confirmation before deleting a stage or event, clearer ledger columns, and better VoiceOver support throughout. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-17.*