Understand your money.
Free lessons. Private tools. A planner on the way.
Learn, take stock, plan ahead · illustrative amounts
- 1 · LearnWhat is net worth?What you own, minus what you owe.
- 2 · Take stock−€9,000 or €12,500Net worth of two people who both earn €3,000 a month.
- 3 · Plan ahead€23,200 more after 10 yearsFrom saving and investing €150 more each month.
Step 1: Learn
Free lessons, for good.
Short lessons for any household, in any country, and where local rules matter, they say what to check. No paywall, no account.
Not sure which fits? Two questions suggest where to start.
- I’m starting from the beginning.Start
- I have some savings, but no plan.Start
- I know what to do, but I don’t always do it.Start
- My finances have got complicated.
Step 2: Take stock
See where you stand.
Free tools that run in your browser, so what you type stays on your device.
Same income, €3,000 a month each
Alex
A car and a card, both on credit
- Owns
- €22,000
- Owes
- €31,000
−€9,000 net worth
Sam
Savings, a pension, a small loan
- Owns
- €16,500
- Owes
- €4,000
€12,500 net worth
Step 3: Plan ahead
See where it could go.
We are building a planner: what you own, owe, earn and spend in one place, in one currency or several, so you can compare decisions like this one before you make them.
One decision, compared
Same start; only the amount added each month changes.
About €23,200 apart after 10 years. Most of that is the extra money put in; the rest is growth.
Euros are just the currency this example uses. Both paths earn the same percentage return, so the gap between them is a proportion as well: in rupees or dollars the two lines would draw the same shape, only the axis would change.
Two example paths from the same €3,400 invested today, at an illustrative 5% a year after inflation. Adding €150 a month reaches about €28,800 after 10 years; adding €300 a month reaches about €52,000. The gap of about €23,200 is €18,000 more put in and about €5,200 more growth.
How this example works
Assumes an illustrative 5% a year after inflation, with each month's amount added at the start of the month. Real returns vary from year to year and can be negative. A whole net worth does not grow at one rate: a car loses value and a loan is paid down.
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FAQ
Is nidhi for beginners?
Yes. The learning path starts with what net worth is and assumes no prior knowledge. Each lesson explains its terms as it goes, and the 42 lessons so far are in reading order, so you can start at the top and keep going.
Do I need money in more than one currency to use nidhi?
No. Everything works with a single currency. Multi-currency support is there for when your life needs it: savings in one country, a pension or property in another, or plans to move.
What does nidhi cost?
The lessons and the free tools cost nothing and need no account. The lessons will stay free, with no paywall.
Is this financial advice?
No. nidhi is educational: it explains how money works and lets you model your own situation. It is not a licensed financial adviser. For decisions that matter, talk to a qualified professional.
What happens to the numbers I type into the tools?
They stay on your device and are not sent to nidhi. The free tools calculate in your browser and never put what you type into the page address. When a tool needs outside data, such as the day's exchange rates, your browser asks that service for the rates only, never your amounts; like any request, it shows that service your IP address. The privacy page has the details.
What is the planner, and when can I use it?
The planner brings everything together: what you own, owe, earn and expect to spend, projected forward with the assumptions shown, so you can compare decisions before you make them. It is opening in stages. Join the list and you will get one email when it opens.
nidhi started because one person couldn’t find a tool that fit an ordinary financial life: money in more than one country, debts in another, a future that crosses borders. So we are building it, and explaining what we learn along the way.
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