See your money clearly.
Plan the goals behind it.

Three things. One: parse your CAS and show your real portfolio. Two: model the goals behind that money — retirement, education, emergency fund or wealth. Three: chat with you about it using your actual numbers. The math in the planner, the chat and the calculators all uses the same assumptions.

Yes. The retirement, child education, emergency fund and wealth creation planners are all free, and the assumptions (inflation, expected returns) are visible on the page. The math uses the same formulas as the calculators and the chat.

There's no single best — it depends on your age, risk tolerance and horizon. A common starting point: a Flexi Cap core, an index fund for cheap broad exposure, and a small-cap allocation for the years before retirement. Use the retirement planner to see how much you actually need to invest monthly.

Education inflation runs at about 10% a year — roughly double general inflation. For a 5-year-old, engineering in 13 years could cost ₹40-50 lakh; an MBA or MS abroad could cross ₹1 crore. The child education planner picks the right inflation rate per tier and tells you the SIP.

3-6 months with a stable salary, 6-9 as a freelancer or business owner, and 9-12 if your income is variable or you're the sole earner. The emergency fund goal lets you set your own number and tells you when you've hit it.

Different tools. ELSS mutual funds have a 3-year lock-in and invest in equities — historically the highest return among 80C options, but with market risk. PPF is government-backed, has a 15-year lock-in, and the interest rate is set every quarter (currently 7.1%). If you can stay invested for 10+ years, ELSS usually wins on returns; if you want zero risk, PPF is fine. There's a ₹1.5L cap per financial year across all 80C options combined.

Same fund. PPFAS (Parag Parikh Financial Advisory Services) is the AMC. The fund invests across market caps in India and holds up to 35% in international stocks, which is unusual for a Flexi Cap. It's known for a low expense ratio and a value-leaning, patient style. If you want diversified equity exposure including some international, it's a reasonable core holding.

Your CAS PDF is parsed in memory on the request and not stored. Your portfolio data powers the planner, chat and alerts, and is tied to your account. You can delete your account and all associated data from the profile page at any time.