See your money clearly.
Plan the goals behind it.
See your real portfolio, then model the goals it's funding — retirement, your kids' education, an emergency fund or long-term wealth. With an AI that actually knows your numbers.
Free
to analyze & plan
100%
kept on your device
4
goal planners
6+
calculators
Concentration
Spread across fund companies
Where you stand
Invested
₹12.4 L
Current
₹16.1 L
Real return (3-yr)
13.4% p.a.
Note: 63% of your money sits in 3 holdings — moderate concentration. A bit more spread across AMCs would give you calmer nights.
Everything you need to read your portfolio
One place to import, analyze, plan and ask. No spreadsheets, no jargon.
Your full portfolio, in one view
Upload the statement PDF that has all your investments. Mutual funds, stocks, NPS and insurance — parsed in your browser, never stored.
Real returns, not vague ones
A fund's headline return can lie. We calculate the honest, time-weighted return per holding — the number that actually tells you if you're ahead.
Risk you can see early
If too much of your money is in one fund or one fund company, we flag it before it hurts you.
A chat that knows your numbers
Ask “am I on track for retirement?” and get an answer pulled from your actual portfolio, goals and risk appetite.
Calculators with published math
SIP, lumpsum, retirement, education, emergency fund, 80C. The formula is on the page — move a slider, trust the number.
Independent fund rankings
Category leaders with the methodology on the page. If a fund shows up here, the data said so.
A planner for the goals your money is funding
Most apps stop at “your portfolio is worth X”. We ask the question behind the number: what for?
Retirement
30 → 60, ₹50K/mo expenses
Model the corpus, years-in-retirement, and how expenses shift when the commute and EMIs go away.
Child's education
5y old, B.Tech in 13 yrs
Engineering, medical, MBA or abroad — each with the right inflation rate and the SIP you need.
Emergency fund
6 months of expenses
3 to 12 months of expenses in liquid funds. We tell you when you've actually hit it.
Wealth creation
₹1 Cr in 15 years
No named milestone, just a target and a horizon. A flex bucket for the long run.
Investors who stopped guessing
Real portfolios, real questions, real clarity.
I'd been investing in 11 funds for years without realising 60% was in large-caps. FinvestR showed me the overlap in two minutes.
Rahul M.
Bengaluru · ₹18L portfolio
The retirement planner told me I was ₹4,000/month short of my target. Adjusted my SIP the same day. Wish I'd seen this five years ago.
Priya S.
Pune · ₹32L portfolio
Finally a tool that doesn't push products. The CAS import worked on the first try and the chat actually knew my numbers.
Vikram R.
Mumbai · ₹54L portfolio
From a forgotten PDF to a clear read
Four steps. No spreadsheets, no manual tallying.
Drop in your statement
One PDF or a one-time password. Parsed in your browser — nothing to install, nothing stored.
See what you own
Where your money sits, how spread out it is, and the real return per holding. Clear in minutes.
Plan the goals
Retirement, education, emergency or wealth — with the same assumptions used across the app.
Chat to dig deeper
Ask about your portfolio, your goals and your risk appetite. Real answers, not generic ones.
Try the math, no sign-up
Move a slider, the number changes, the formula is visible.
Invested
₹45.00 L
Est. Returns
₹81.14 L
Total Value
₹1.26 Cr
Calculations are estimates based on the expected return rate. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns.
Free to analyze and plan. Pay only for a human advisor.
The analysis, the planner and the chat are free. Upgrade when you want a SEBI-registered advisor on the other end.
FinvestR-Lite
AI companion for everyday investing
- Portfolio analysis & CAS import
- AI chat (50 messages/month)
- SIP, lumpsum & 80C calculators
- Fund rankings & research
- Basic risk monitoring
FinvestR Plus
Advanced analysis for serious investors
- Everything in Lite
- Unlimited AI chat
- Advanced portfolio analysis (XIRR, drift)
- Goal tracking & milestones
- Concentration & drift alerts
- Priority email support
FinvestR Pro
Human advisor for your wealth
- Everything in Plus
- SEBI-registered advisor review
- Personalised rebalancing plan
- Quarterly portfolio check-ins
- Tax-loss harvesting guidance
- Dedicated advisor on WhatsApp
Frequently asked questions
What does FinvestR actually do?▾
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.
Is the goal planner really free?▾
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.
Which are the best mutual funds for retirement in India?▾
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.
How much should I SIP for my child's education?▾
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.
How many months should my emergency fund cover?▾
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.
ELSS vs PPF — which is better?▾
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.
Parag Parikh Flexi Cap vs PPFAS Flexi Cap — what's the difference?▾
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.
Is my data safe?▾
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.
See where your money is. Plan where it's going.
Free, no card needed to use the calculators. Sign in only when you want to save your portfolio.
Plain-English mutual fund insights
No jargon, no product pitches — just clear thinking on SIPs, tax-saving, retirement and portfolio analysis.
ELSS vs PPF: Which 80C option is better for you?
Both save tax under 80C, but they solve very different problems. Here's how to choose.
How much do you actually need to retire in India?
The number is smaller than you think — if you start early. A practical breakdown of the math behind a retirement corpus.