Add the mutual funds and stocks you already own. See your asset mix, larger positions, and how they relate to a goal you choose. Start with one holding; no account is needed.
A useful starting point, without a wall of market numbers.
Illustrative portfolio · values are entered, not live
QUICK ANSWERS FROM YOUR ENTRIES
Ask this review
In this browser
Ask about your holdings, mix, goal, or missing facts. Answers use the current review and update when your entries change. This is a fixed calculator, not the hosted AI assistant.
Questions are answered in this tab and are not sent to AI. No credit is used.
Example holdings total6 holdings
₹11,20,000
CHECKED INVESTED AMOUNT—
UNREALIZED CHANGE ON COVERED HOLDINGS—
Only holdings entered or imported here are counted. Compare this total with your other fund and broker statements before treating the mix as your whole portfolio. Add another source →
Coverage not checked yet. This snapshot may be partial.
These are educational review prompts, not instructions to buy or sell. The starting example is fictional.
PUBLIC DATA, IN PLAIN LANGUAGE
Public updates to put your goal in context
Each dated update links its source and separates the fact from what it might mean for planning.
INFLATION DATAReviewed 2 October 2026
August 2026 consumer-price data is available
What happened
MoSPI reported 4.82% year-on-year all-India CPI inflation for August 2026 (provisional), using the 2024 base year.
Why it could matter
Your chosen inflation assumption changes the future cost shown for a goal. One national monthly reading is not a forecast and may differ from the prices that matter to your goal.
What to check next
Read the official release, check the category relevant to your goal, and revisit your own assumption after the next CPI release. This card does not change it for you.
Public-data context only. It is not a forecast, fund assessment, or instruction to buy or sell. Source and interpretation should be checked again when new data is published.
POLICY RATEReviewed 2 October 2026
RBI’s published policy repo rate is 5.25%
What happened
The RBI’s current-rates panel listed the policy repo rate at 5.25% when checked for this update.
Why it could matter
Interest-rate moves can affect bond prices and debt-fund values. A rate alone does not tell you how your scheme will respond; its holdings and interest-rate sensitivity matter.
What to check next
Read the latest RBI decision and your debt fund’s current fact sheet, including its duration and credit risk. This card does not update a holding value or suggest a switch.
Public-data context only. It is not a debt-fund valuation, a rate forecast, or an instruction to buy or sell. Check the source again after a new policy decision.
MAKE IT YOURS
Holdings in this review
Add a simple entry or import a CSV to see how the picture changes. Tick holdings for the selected goal; assigning one to a different goal moves it there. Entries stay in this tab unless you download a private review file or use an account save.
These holdings are fictional. Start blank, then add yours and check the goal details.
OPTIONAL ACCOUNT
Save your review
Sign in to save normalized holdings and your goal for later. Original CAS PDFs and passwords are not saved.
Choose what you have. You can add another source after the first import. Switching clears selected files and passwords.
Where do I get a report?
Mutual funds, quick start: Request a CAMS Active Statement ↗ using the email registered with your folios. Save its encrypted PDF from your email, then choose “CAMS Active PDF or HTML” above. The browser preview uses individual schemes only when they reconcile to the fund-house totals; otherwise it shows those totals.
Mutual funds across RTAs: CAMS offers a CAMS+KFintech CAS ↗ with summary or detailed options. Choose “Original CAS PDF” here to review larger statements, or use the guided chat for up to 30 rows. Unsupported layouts stop without adding holdings.
Stocks: Get a holdings report with a current market value from your broker. For example, Zerodha explains its XLSX download ↗. Choose “Broker XLSX or CSV” and confirm the report date and columns. A supported NSDL/CDSL demat CAS can also be tried with “Original CAS PDF”; reconcile it with other reports before adding the same position twice.
Check for holdings missing from a source before adding another. Do not send a statement or its password to us by email.
PRIVATE, BROWSER-ONLY IMPORT
Have a holdings list already?
Use our simple CSV template. Check every row before replacing the example. The file is read in this tab and is not uploaded.
Name, type, asset and current value are required. Date, fund house (AMC), ISIN and AMFI code are optional. Up to 200 rows / 1 MB. This is not a CAS PDF importer.
STOCKS AND OTHER BROKER HOLDINGS
Have a broker holdings report?
Choose an XLSX or UTF-8 CSV holdings report and identify its name and current market value columns. Then classify every row before replacing the example. The report stays in this tab. Tradebooks, contract notes and purchase-cost columns are not current holdings values.
Use a short nickname for this account. Reuse it when importing a newer report from the same account. Do not enter PAN, an account number or a password.First XLSX worksheet only; up to 2 MB XLSX or 1 MB UTF-8 CSV and 200 positions. An explicit holdings-as-of date fills this field; confirm it and the columns. A generic report date does not. No live prices are fetched.
Check the report columns before previewing holdings. Choose the header row if the report starts with a title. An optional invested amount is shown as a draft; check it for each current position before it counts.
CAMS ACTIVE STATEMENT
Have an Active Statement PDF or HTML attachment?
Preview the statement in this browser tab. The selected file and PDF password are not uploaded. Individual schemes appear only when every detected row reconciles to the fund-house summary; otherwise this preview shows fund-house totals. Scheme ISINs and fund overlap remain unknown.
Use the password you set when requesting this CAMS PDF. A PAN by itself may not open it.PDF up to 15 MB; HTML up to 10 MB. This is for a CAMS Active Statement with an embedded or separate HTML attachment, not a standard CAS.
BROWSER CAS PREVIEW
Try an original CAMS, KFintech, NSDL or CDSL PDF
This browser tab reads the PDF and password. Review extracted holdings before changing your portfolio; unsupported rows stop the preview.
Check the statement email or issuer instructions for this PDF password; it may not be your PAN.Up to 15 MB. Demat statements with bonds or NPS cannot be imported yet. MF Central and re-printed statements are not supported by this parser. No Gmail connection is used.
CHECK BEFORE IMPORT
Open a row to correct its value, asset category or valuation date, or leave it out. CSV and scheme names can also be corrected; fund-house summary labels stay fixed. Supplied identifiers and statement scheme units are shown for checking; changing a name or asset clears its identifiers. Units are from the statement and are not a live NAV check. Check the source before changing an extracted figure.
For a detailed CAS only, an indicative annualized money-weighted return may appear on a row when opening units are zero and the supported cash flows reconcile. It is based on the statement period and its reported valuation, not a verified live price, benchmark comparison or forecast. A return disappears if you change the row's value, date, name or category. Returns are not saved with your holdings.
Only use this after checking every unclassified row in the original statement. ETFs, REITs and other securities need individual review.
Replace removes current holdings and links these rows to the selected goal. Add keeps your personal holdings and goal links, but stops when the sources may count the same security or fund-house total twice. Check for other duplicates before adding. A newer complete Active Statement can update matched funds, add new ones and remove fund rows no longer listed while keeping direct stocks. This option appears only when the statement is later, at least one fund row matches, and both snapshots are at the same scheme or fund-house level. A newer broker report can refresh exact ISIN matches after you confirm it covers the same account; unmatched report rows stay out and no holdings are removed. Check each change before applying it. Fund look-through remains unknown unless verified constituent data is available.
Review what replacing will remove
Replacing removes these current holdings and their goal links. Download a private backup first if you want to keep them.
Review fund changes before updating
HOLDINGDATED VALUE OR ESTIMATE
No holdings yet. Add one on the right or restore the example.
Check whether this snapshot includes all my holdings
Compare the rows above with current statements for your funds, broker accounts and other investments. These answers are yours and are not verified here. Adding, removing or importing holdings clears them so you can check again.
Only entered holdings count in calculations. Check this answer against each account and statement.
Enter only totals, not account details. This accessible money is outside the holdings above and is counted once for your whole review, not added to goal values.
Check my emergency buffer
Compare money available for an unexpected expense with one month of essential spending. The result is arithmetic, not a judgement that your reserve is enough.
Add both amounts to see months of essential spending covered.
Your goal date and ability to handle losses matter as much as the amount. Age is shown at the goal date, but it is not used to calculate an allocation or advice.
✳A real personal action plan would also need your income, liabilities, emergency reserve, risk capacity, tax position and an appropriate adviser process.
ILLUSTRATIVE GOAL SCENARIO
Goal cost at the goal date₹20,00,000
Assigned holdings at the goal date₹11,20,000
Gap under these assumptions₹8,80,000
Extra monthly above your plan₹24,445
Uses 0% annual growth, 0% inflation and your planned ₹0 in month-end contributions for 3 years. The total mathematical monthly amount would be ₹24,445; the number above is only the extra beyond your plan. This is arithmetic, not a return forecast or an investment recommendation. Entered valuations may be dated; taxes, fees and market losses may differ.
WHAT IF EQUITY FELL TODAY?
Chosen equity loss—
Amount lost from linked equity—
Assigned value after that loss—
Gap to today's goal cost after loss—
Choose a one-time equity-fall percentage in the goal assumptions to see this illustration.
Choose a fall before comparing your own loss limits.
Compare with what I could handle
For this goal, enter either amount or both. What temporary fall could you cover from other resources without delaying the goal or essential spending? What fall could you tolerate without feeling forced to sell? These are your own estimates, not a formal risk profile.
Compare the amounts with the illustrative loss above. A smaller illustrated loss does not prove an allocation is suitable; real losses and other obligations may differ.
Compare with a mix I chose
Enter your own percentages for this goal. They must total 100%. This compares asset categories in linked holdings; it does not suggest an allocation or a trade.
Current shares use entered values and asset labels. Mixed or unclassified holdings stay in Other until you verify their category. Differences are percentage points, not amounts to buy or sell.
PRIVATE FILE BACKUP
Keep your work for another day
Download a readable summary for your own records, or save a JSON backup that you can restore here later. Both files stay on your device. Keep them private because they contain your portfolio values.
A readable portfolio snapshot is available after you add your own holdings. Confirm the selected goal to include goal arithmetic. Save a separate JSON file to restore this work later.
TheFinxperts review JSON, up to 2 MB. The readable text summary cannot be restored. Restoring JSON replaces the current tab's holdings and goals.
◇Your data, in your control
Future account storage will include clear export and deletion.
◎See the reason
Every production finding will show its calculation and data date.
✳Honest about unknowns
Missing fund detail will stay visible rather than become a false zero.