Rivu adds up every goal you have. One number tells you whether they fit. If they don't, it shows you exactly what to change.
Run your numbers — ₹1,499 →10 minutes · pay once · desktop browser
They were not careless.
They just never added it up.
Home loan. Two kids' education. His parents. Retirement. An emergency fund. Each one looked fine on its own.
Same age. Same salary. Both invest every spare rupee. Both have never missed a month.
Neither of them has ever done this sum.
One of them got lucky.
A missed EMI bounces. A missed card payment rings your phone. This one does nothing at all. You find out at 52.
So what is your number?
Ten minutes with your own figures, and you'll have it.
pay once · desktop browser
Ask it about the house: yes. School fees: yes. Retirement: yes. Four right answers that add up to a no.
Groww, ET Money and Kuvera are good at buying funds. None of them was built to check the whole plan.
Your savings aren't split up by goal. Every goal draws from the same pot — in the order it arrives.
Nobody chose this order. It's just the order life arrives in.
You can borrow for a house.
You can borrow for a degree.
Nobody lends for retirement.
Most plans don't fit on the first run. That's normal, not a failure. The number never turns up alone — it comes with a list of things you could change, and you pick which one.
Rivu's suggestion Three moves that close Person B's ₹70,000 — without cutting a single expense or moving a single date. Untick anything you wouldn't do.
Dozens of plans close ₹70,000.
Only one of them suits you.
Person B wouldn't commit to raising his retirement SIP 10% every year. So he took half that, put his parents' fund on a step-up instead, and pushed the house back two years. Same gap, closed. Completely different life. You pick which goal bends — not us.
That was someone else’s ₹70,000.
Yours might be smaller. It might not. Ten minutes tells you.
pay once · desktop browser
Ten minutes, end to end. There's no free trial — so here is every screen, before you pay a rupee.
What comes in. What goes out. What's left is your real budget — not your salary. Add what you could sell too, because idle cash can do some of the work.
Add each goal: what it would cost today, and the year you need it. Rivu handles the inflation, and picks the right mix for how far away it is.
Pick your own expected returns. Decide how money for 2 years is invested versus money for 28. These are your assumptions — Rivu never tells you what to buy. Change 13% to 10% and every number after this moves.
One number for everything you want, next to the money you really have. Then that total split across assets — using the mix you set on the last screen, not one we picked for you.
A suggested fix on the left. Yours on the right. Drag in what you'd accept, throw out what you wouldn't, watch the gap close.
The number is useful.
Not carrying it alone is better.
Not monthly. Re-run it as often as you like, forever.
A planner's document is right on the day you get it. Then you get a raise, the fees go up, and it isn't. Rivu takes nothing from your investments — no commission, no cut. That's why it asks you directly.
Run your numbers — ₹1,499 →10 minutes · pay once · desktop browser · price rises to ₹2,499
Yes. It takes an afternoon.
Then your salary changes, or the school fee goes up, and it takes another afternoon. That second one never gets done. And testing eight different fixes by hand isn't really possible at all.
It usually is on the first run. Most plans don't fit.
But it never comes alone. You get a list of fixes, each with a rupee figure, and you choose. Person B's ₹70,000 closed without cutting one expense.
And sometimes the answer is simply that you're already fine. That's worth knowing too.
No. It's arithmetic on numbers you type in, using assumptions you can change.
No fund tips. No telling you which goal to drop. Not a substitute for a SEBI-registered adviser.
Nowhere. It stays in your browser. We can't see it.
Clearing your browser wipes it, so export your plan after the first run — one file, saves anywhere, opens on any machine. You can also download a one-page PDF.
About 10 minutes, if you roughly know what you spend and what you've saved. A few minutes to re-run it later.
Not really. Use a laptop — there's a lot on screen at once. The PDF reads fine anywhere afterwards.
No expert, on purpose. Every other tool comes with someone whose income depends on what they tell you.
Rivu takes nothing from your investments, so there's no opinion of ours to trust — only maths you can check. Every assumption is yours to change.
Ten minutes. One number.
Then you stop guessing about it.
pay once · price rises to ₹2,499
One is a fixed amount with a list of fixes. The other has neither.
Right now something is already giving way each month. You just don't get to choose what. Ten minutes tells you where you stand.
Show me where I stand — ₹1,499 →10 minutes · pay once · desktop browser
A free 13-page guide. With a calculator and about 30 minutes, find out whether all your goals actually fit inside what you earn — the arithmetic a fee-only planner charges ₹15,000–₹50,000 to run.
What's inside
Check your inbox.