Equity allocation has drifted 14%
DriftYour portfolio is 14% over the equity target for your retirement goal. Rebalancing brings you back on track without changing your monthly SIPs.
2 hours ago
A quiet agent for your money.
FinvestR-Agent reads your CAS, models the goals behind your money — retirement, your kids' education, an emergency fund or long-term wealth — and keeps an eye on the portfolio in between. Free for Indian investors.
Agent
Free for Indian investors
100%
kept on your device
4
goal planners
6+
calculators
Portfolio health — sample
Live previewConcentration
Parag Parikh Flexi Cap28%
HDFC Mid-Cap19%
Axis Bluechip16%
Others (6)37%
Spread across fund companies
Parag Parikh32%
HDFC24%
Axis18%
SBI14%
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.
What your agent does
A finance team that fits in a browser tab
Read your portfolio, plan the goals behind it, watch it daily, and answer questions in plain English. No spreadsheets, no jargon.
PDF · OTP
Your full portfolio, in one view
Drop in the CAS statement PDF or use a one-time password. Mutual funds, folios and current value, parsed in your browser — nothing stored.
Per holding
Real returns, not vague ones
A fund's headline number can flatter itself. Your agent calculates the honest, time-weighted return per holding — the one that tells you if you're actually ahead.
Daily
Risk, caught early
If too much of your money is sitting in one fund or one fund company, your agent flags it before it costs you sleep.
Personal
A chat that knows your numbers
Ask “am I on track for retirement?” and your agent answers from your actual portfolio, your goals and your risk appetite.
Transparent
Calculators with the math on the page
SIP, lumpsum, retirement, education, emergency fund, 80C. Move a slider, watch the number, trust the formula.
Researched
Independent fund rankings
Category leaders, with the methodology on the page. If a fund shows up here, the data said so.
Every fund, in detail
Upload your CAS, meet your agentClick any fund. See everything the AMC factsheet doesn't.
Per-holding XIRR, real concentration risk, the actual holdings list, sector tilts, and risk-adjusted returns — on one screen. The same view your agent gives you for every fund in your portfolio.
Sample preview
Parag Parikh Flexi Cap Fund
Regular Plan • Growth
NAV
₹78.45
AUM
₹68,512 Cr
Rating
★ 4.5
1Y
+27.4%
3Y
+18.9%
5Y
+23.1%
Since Inception
+18.2%
Sharpe
0.92
Risk-adj return
Sortino
1.18
Downside risk
Beta
0.85
Defensive
Alpha
+3.24
Excess return
Std Dev
15.7%
Volatility
Top Holdings
8 of 8+ shown
1HDFC Bank Ltd
8.84%Financial Services
2Bajaj Holdings & Investment
7.42%Financial Services
3ITC Ltd
7.18%Consumer Staples
4Power Grid Corp
6.95%Power
5Mahindra & Mahindra
5.62%Automobile
6Persistent Systems
4.83%IT
7Maruti Suzuki India
3.91%Automobile
8Infosys Ltd
3.45%IT
Top 8 shown: 48.2% of the fund
Sector Allocation
7 sectors
Financial Services28.4%
Consumer18.2%
Automobile14.7%
IT12.6%
Power9.3%
Healthcare6.1%
Others10.7%
Top sector: Financial Services (28.4%)
Indicative snapshot for illustration. Your funds show their own live numbers, refreshed from AMFI and the AMC factsheets.
Always watchingYour agent keeps an eye on the portfolio.
Your agent keeps an eye on the portfolio.
So you don't have to.
Every day, your agent checks your holdings for drift, upcoming ELSS unlocks, concentration risk and a handful of other quiet signals. If something needs your attention, you hear about it. Nothing else does.
ELSS unlock in 47 days
ELSSYour HDFC ELSS Tax Saver units bought on 15 Mar 2023 unlock on 1 Aug 2026. Plan ahead: hold for compounding, redeem for rebalancing, or roll over to a fresh SIP.
Yesterday
32% of your money is in one AMC
RiskHDFC funds alone make up 32% of your portfolio. We suggest 2–3 AMCs to spread single-AMC risk. Open the Concentration tab to see the full breakdown.
3 days ago
+ a few more signals — expense ratio changes, AMC news, dividend payouts, target rebalances and tax-harvesting windows.
100%
kept on your device
Daily
drift & risk checks
12+
alert types shipped
0
third-party trackers
Goal planning
A planner for the goals your money is funding
Most apps stop at “your portfolio is worth X”. Your agent asks the question behind the number — what is it for?
Retirement
30 → 60, ₹50K/mo expenses
Your agent models the corpus, the years in retirement, and how expenses settle once the commute and EMIs are gone.
Child's education
5y old, B.Tech in 13 yrs
Engineering, medical, MBA or abroad — each with the right inflation rate and the SIP that gets you there.
Emergency fund
6 months of expenses
Three to twelve months of expenses, parked in liquid funds. Your agent tells you when you've actually hit it.
Long-term wealth
₹1 Cr in 15 years
No named milestone, just a target and a horizon. A flex bucket your agent keeps an eye on, calmly.
From users
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
How it works
From a forgotten PDF to a clear read
Four quiet steps. No spreadsheets, no manual tallying.
01
Drop in your statement
One PDF, or a one-time password from your depository. Parsed in your browser — nothing to install, nothing stored.
02
See what you own
Where your money sits, how spread out it is, and the real return per holding. Clear in minutes.
03
Plan the goals
Retirement, education, emergency or wealth — your agent works out the SIP, the timeline, and how on-track you are.
04
Chat to dig deeper
Ask about your portfolio, your goals and your risk. Real answers, drawn from your own numbers.
Calculators
Try the math, no sign-up
Move a slider, the number changes, the formula is visible.
₹25.0 K
12%
15 yr
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.
Pricing
The agent is free. Pay only when you want a human on the other end.
Portfolio analysis, the planner and the chat are free. Upgrade when you'd like a SEBI-registered advisor looking over your shoulder.
FinvestR-Agent
Your personal finance agent — watches, plans, explains
Freeforever
- Portfolio analysis & CAS import
- Portfolio-grounded AI agent chat
- SIP, lumpsum & 80C calculators
- Fund rankings & research
- Drift, concentration & ELSS alerts
Most Popular
FinvestR Plus
Advanced analysis for serious investors
₹499/month
- Everything in Agent
- Unlimited AI agent chat
- Advanced portfolio analysis (XIRR, drift)
- Goal tracking & milestones
- Concentration & drift alerts
- Priority email support
FinvestR Pro
Human advisor for your wealth
Custom
- Everything in Plus
- SEBI-registered advisor review
- Personalised rebalancing plan
- Quarterly portfolio check-ins
- Tax-loss harvesting guidance
- Dedicated advisor on WhatsApp
FAQ
Frequently asked questions
What is FinvestR-Agent?▾
Think of it as a personal finance agent that lives inside your browser. It reads your CAS, models the goals behind your money — retirement, education, emergency fund or wealth — and chats with you about it using your actual numbers. The planner, the chat and the calculators all share the same assumptions, so the answers line up.
Is the goal planner really free?▾
Yes. The retirement, child education, emergency fund and wealth planners are free, and the assumptions (inflation, expected returns) are visible on the page. Your agent 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 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.
Hand the boring bits to your agent.
Free, no card needed to use the calculators. Sign in only when you want to save your portfolio.
Notes
Plain-English thinking on mutual funds
No jargon, no product pitches — just clear thinking on SIPs, tax-saving, retirement and reading your own portfolio.
·4 min read
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.
·6 min read
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.