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ST WEALTH

Be Your Own Wealth Planner

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ST Wealth

Be Your Own Wealth Planner

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Notice: This application is developed for tracking and learning purposes. We are not a SEBI registered advisor. Investment projections are estimates and not guaranteed.

New to ST Wealth? Register Here

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All caught up!

🚀 New Financial Goal

Enter tenure to see suggestion
Calculated from Equity & Debt allocation
NET EFFECTIVE RETURN 0%
TARGET (FV) ₹0
REQUIRED SIP ₹0

What are you planning for?

🏠 Dream Home
🎓 Child's Education
🌴 Dream Vacation
🚗 Dream Car
💰 First Crore
✏️ Custom Goal
Defaulted from your Settings — feel free to adjust just for this goal.

Link any existing funds, stocks, or FDs so we count them toward this goal.

Goal amount (today) ₹0
Inflation-adjusted target ₹0
Already invested (projected) ₹0
Required monthly SIP ₹0

Live Projection

Simulation Controls
🛡️
Active Glide Path
Calculating risk reduction...
Loading simulation...
Year Current Path Required Path Rebalance
⚠️ PROJECTION NOTE: This calculation uses this goal's own Equity/Debt return assumptions (Edit Goal → Post Tax Equity/Debt Return) and its tenure-based glide path, which shifts toward debt in the final years of the goal. Retirement goals keep a minimum equity floor rather than moving fully to debt.

Overview

TOTAL NET WORTH
₹ 0
INSURANCE COVER
›
₹ 0
OUTSTANDING LOANS
›
₹ 0
TOTAL P&L
₹ 0 (0%)
TODAY'S CHANGE
--
6M AVG. INVESTED
--
UPCOMING ACTIVITIES
No upcoming activities in the next 45 days.
ALLOCATION
EQUITY VS DEBT

📊 Financial Score: --/100

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💡 Smart Insights

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Portfolio

Asset Breakdown

MUTUAL FUNDS
₹ 0
Invested: ₹ 0
DIRECT STOCKS
₹ 0
Invested: ₹ 0
GOVT SCHEMES
₹ 0
Invested: ₹ 0
FD / BONDS
₹ 0
Invested: ₹ 0

Mutual Fund Details

Goal Tracking

⚖️ Portfolio Rebalance Required: ₹0

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Individual goal actions needed to reach target allocations:

📊 Mutual Fund Portfolio

Stock Transaction

Stock History

From:
To:

🛡️ Psychometric Risk Profiling

Based on standard SEBI advisory frameworks for DIY investors.

I. Financial Capacity

II. Risk Tolerance (Behavioral)

💳 Loan Details

💰 Savings Simulator
Calculating your current status...

📊 Repayment Schedule

Total Interest Paid
₹ 0
Interest Remaining
₹ 0
Month Interest Principal Balance

Budget & Expenses

--
TOTAL BUDGET
₹ 0
TOTAL EXPENSE
₹ 0
REMAINING
₹ 0

Monthly Budget

Add Expense

Budget vs Actual

Strategic Insights & Command Center

🛡️ Policy Details

🎓 Retirement Planner

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

⚙️ Advanced CFP Modeling Settings

Estimated Target Corpus
₹ 0

⚠️ Free Capital

Unallocated Amount
₹ 0

These funds are in your portfolio but not assigned to any financial goal.

📖 User Guide & Help

👤 Profile & Settings

👤 User Profile

🛡️ Risk Profile

🔐 Login History

⚖️ LEGAL DISCLAIMER

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

💸 Monthly Budget

Enter your average monthly expenses to calculate your Emergency Runway.

🎂 Your Age

Your age helps in retirement planning and asset allocation logic.

📈 Inflation Assumptions

Default inflation % used when creating new goals and calculators. Each goal/calculator can still be adjusted individually afterward.

⚖️ Equity vs Debt Logic

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

⚙️ Advanced Mode

Unlocks power-user tools: FIRE calculator, Monte Carlo & stress-test simulators, benchmark comparison, tax-loss harvesting, the Financial Score badge, Audit Manager, Lump Sum Allocator, and Loans/EMI tracking. Off by default to keep things simple — nothing is deleted, you can switch it back on anytime.

🤖 AI Portfolio Assistant

Ask an AI (Gemini, GPT, or Claude) about your portfolio using your own API key. Your key is sent straight to our secure server function and stored there — we never show it to you again after saving. We share your net worth, allocation %, goal progress, and your fund/stock names with category, XIRR/P&L%, and portfolio weight (so it can judge performance) — never your name, email, phone number, exact quantities, or rupee amounts.

🌍 NRI Status

Turn this on if you're a Non-Resident Indian with investments in a foreign currency (e.g. EPF in MYR). Off means every amount in the app is tracked and shown in INR only.

🇮🇳 NRI Investment Settings

💾 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.

💬 Share Feedback

Your suggestions help us improve ST Wealth.

📋 Portfolio Audit

📜 Audit History

Annual Analysis

📊

Select a goal to compare targets vs actuals.

💳 Loans

🛡️ Insurance Details

Welcome to Self Track Wealth

Let's get started with the basics

This information helps us personalize your financial planning.

Finalizing your Risk Profile

To store your assessment, we need your acknowledgment of the following disclosure:

🛡️ Secure Your Future

Financial experts recommend having at least 6 months of expenses as an Emergency Fund.

Recommended Buffer
₹0
(Based on ₹0 monthly expense)

Would you like to add this as a goal now?

📈 Track Your Investments

Now that your goals are set, let's bring in your existing investments to see how close you are to achieving them.

📊
Stocks & MFs

Import from CAS or Zerodha

🏦
Fixed Income

Add FDs, PPF, or EPF

You can do this now or later from the main dashboard.

🎓 Plan for Retirement

Early planning is the key to a stress-free retirement. Would you like to use our Retirement Planner to set your targets?

🏝️
Retirement Calculator

Estimate the corpus you'll need based on your lifestyle.