Portfolio Planner

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👤 User Profile

Full Name:

Email ID:

Mobile Number:

🛡️ Risk Profile

🔐 Login History

⚖️ LEGAL DISCLAIMER

I am not a SEBI Registered Advisor. This is a tracking tool only.

🔔 Notifications (0)

All caught up!

Goal Name

Is Emergency Fund? Is Retirement?

Years to Goal

Value Today (₹)

Goal Start Date

Goal End Date (Auto)

Inflation (%)

Exp. Return (%)

Suggested: 10-12%

Optional Planning

Target Equity %

Enter tenure to see suggestion

Yearly SIP Step-up %

Apply Post-Tax Goal Target Adjustment

NET EFFECTIVE RETURN 0%

TARGET (FV) ₹0

REQUIRED SIP ₹0

Live Projection

Simulation Controls

CURRENT SIP (₹)

STEP-UP (%)

CURRENT VALUE (₹)

EXP. RETURN (%)

🛡️

Active Glide Path

Calculating risk reduction...

Loading simulation...

Year	Current Path	Required Path	Rebalance

⚠️ PROJECTION NOTE: This calculation uses global return settings and a tenure-based glide path (moving to 100% debt in final 3 years).

📊 Portfolio Overview

TOTAL NET WORTH

₹ 0

Sync: Checking...

FINANCIAL HEALTH SCORE

/ 100

Checking...

0 Total Score Breakdown (Max 100) 100

Savings

Liquidity

Debt

Term Ins.

Health Ins.

Score Methodology

📈 Savings Rate (30%) Target: 35%+

🛡️ Liquidity Coverage (30%)

⚖️ Debt-to-Asset (20%) Target: < 50%

☂️ Term Insurance (10%) Target: 10x Income

🏥 Health Insurance (10%) Target: ₹5L+ Cover

TOTAL LIQUID [-]

₹ 0

Total P&L

₹ 0 (0%)

Daily Change --

6M Avg. Invested --

Mutual Funds

›

₹ 0

Direct Stocks

›

₹ 0

Govt Schemes

›

₹ 0

FD / Bonds

›

₹ 0

Total Physical

₹ 0

Real Estate, Gold, and others. Add and edit your holdings below.

Total Outstanding

₹ 0

Active Loans. Add and manage your loans below.

🎯 Goal Tracking

⚖️ Portfolio Rebalance Required: ₹0

[+]

Individual goal actions needed to reach target allocations:

Debt Transactions

Scheme

Date

Amount (₹) Notes

Recent History

Date	Scheme	Type	Amount	Act

Configure Scheme

Scheme Name (e.g. PPF, NPS)

Is this a Recurring Deposit?

RD Start Date

RD End Date

Annual Interest (%)

Contrib. Amount

Contrib. Cycle

Contrib. Day/Date

Currency

Conv. Rate

Interest Posting Month

Posting Day

Goal Mapping (Max 5)

Total Allocation: 0.00%

📊 Mutual Fund Portfolio

🛡️ Psychometric Risk Profiling

Based on standard SEBI advisory frameworks for DIY investors.

I. Financial Capacity

1. What is your current age group?

2. Your primary source of income stability?

3. Percentage of monthly income remaining after expenses?

II. Risk Tolerance (Behavioral)

4. If your portfolio value fell by 20% overnight, what is your reaction?

5. Which statement best describes your investment goal?

6. Past experience with Equity market volatility?

I understand that equity investments carry market risk and this profile is for planning guidance only.

Asset History

Date	Asset/Note	Value/Grams	Act

💳 Loan Details

Loan Name

Loan Type

Interest (%)

Start Date

Original Principal (₹)

Tenure (Months)

Monthly EMI (₹)

Rate Change & EMI Restructuring

New Rate (%)

Effective Date

New EMI (Optional)

💰 Savings Simulator

Calculating your current status...

What if I pay extra today?

Record Part Payment

Status Notes

📊 Repayment Schedule

Total Interest Paid

₹ 0

Interest Remaining

₹ 0

Month	Interest	Principal	Balance

💎 Strategic Insights & Command Center

🔍

Portfolio Audit (X-Ray)

Scan for risk, diversification, and efficiency.

🎯

Risk Profile: Not Assessed

Assessment Pending • Click to re-assess.

📋

Audit Manager

Record observations, notes, and view past logs.

🤖

ST Wealth AI

Chat with your personal AI financial assistant.

🛡️

Tax Optimization

Harvest losses and save on capital gains tax.

🛡️

Insurance Cover

Active Cover: ₹ 0 • Manage policy renewals.

💰

Income & Cash Flow

Project future dividends and passive income.

📉

Market Stress Test

Run 1,000 Monte Carlo simulations for safety.

📈 Growth & Performance Trends

Total P&L Trend (%)

Total Asset Value (₹)

📈 MF Performance Comparison

Normalized % growth starting from 0% for easier comparison.

📅 Daily Snapshot Log

Manage trend data points

Loading history...

🎯 Goal Progress

Goal	Curr.	Tgt.	SIP

⚖️ Equity vs Debt Ratio

Category	Value	%

🥧 Portfolio Allocation

Asset	Value	%

📈 MF Allocation by Category

Category	Value	%

📊 Stocks by Sector

Sector	Value	%

📈 Stocks by Market Cap

Cap	Value	%

🏛️ Fixed Income by Type

Type	Value	%

-- Years of Freedom

FINANCIAL INDEPENDENCE (FI) NUMBER

₹ --

Based on 25x Annual Expenses

PROGRESS TO FIRE

0% ₹ 0

🏠

ANNUAL EXPENSES

₹ --

🏦

SWR (SAFE WITHDRAWAL RATE)

3.5%

📈

EST. CORPUS AT ZERO

⚙️ Projection Parameters

Withdrawal Multiplier

Post-Retire Return (%)

Post-Retire Inflation (%)

Monthly expenses are pulled from your Settings.

📉 Corpus Longevity Simulation (50 Years)

💹 Budget vs Daily Expense

CALCULATING SURPLUS...

Budget

Expense

History

Yearly

View:

Sort:

📊 Yearly Performance

⬅️ Swipe table to view all months ➡️

🎓 Retirement Planner

Estimate how much you need to maintain your current lifestyle after retirement.

Current Age

Retirement Age

Monthly Expense (Today's Value) ₹

Expected Inflation (%)

Post-Retirement Return (%) ⓘ Info

Life Expectancy

⚙️ Advanced CFP Modeling Settings

Apply Post-Tax Modeling (India Rules)

Retirement Equity %

Income Tax Slab %

Equity LTCG Rate %

Equity STCG Rate %

Apply Cash Buffer (SRR Protect)

Buffer Size (Years)

Buffer Growth %

Estimated Target Corpus

₹ 0

📜 Recent History

Date	Category	INR	Local	Notes	Act

⚙️ App Settings

💸 Monthly Budget

Enter your average monthly expenses to calculate your Emergency Runway.

🎂 Your Age

Your age helps in retirement planning and asset allocation logic.

⚖️ Equity vs Debt Logic

Exclude Short-Term Goals (tenure < 3 years) from overall asset allocation metrics.

Exclude short-term goals (< 3Y)

🇮🇳 NRI Investment Settings

Local Currency

Rate (to ₹)

🟡 Gold Valuation Settings

🤖 AI Portfolio Assistant

Enable AI-powered insights using your own API key. Your data is anonymized before processing.

Enable AI Chat

💾 Backup & Restore (XML)

Export your entire portfolio data to an XML file to keep as a backup, or restore it from a previously saved XML file.

📋 Portfolio Audit

Audit Period

Observations

📜 Audit History

Annual Analysis

Analyze Goal

📊

Select a goal to compare targets vs actuals.

ST WEALTH

ST Wealth

👤 User Profile

🛡️ Risk Profile

🔐 Login History

⚖️ LEGAL DISCLAIMER

🔔 Notifications (0)

🚀 New Financial Goal

Live Projection

📊 Portfolio Overview

🎯 Goal Tracking

⚖️ Portfolio Rebalance Required: ₹0

Configure FD/Bond

Goal Mapping

Debt Transactions

Recent History

Configure Scheme

Goal Mapping (Max 5)

Edit SIP Configuration

Goal Mapping (1 to 5)

📊 Mutual Fund Portfolio

📈 MF Transactions History

➕ Add Manual Transaction

📈 Market Watchlist

Stock Transaction