WEALTH INTELLIGENCE

See your complete financial picture. Track investments, calculate XIRR returns, view asset allocation, and monitor your progress toward financial goals — all with institutional-grade analytics.

Overview

Most Indians have no idea what their actual investment returns are.

Most Indians have no idea what their actual investment returns are. They know they invested Rs 10,000/month in a SIP for 3 years and the current value is Rs 4,50,000, but the 25% absolute return is misleading because each installment has been invested for a different duration. The correct measure is XIRR (Extended Internal Rate of Return) — in this example, approximately 15.2% annualized. Finamize provides this institutional-grade analytics that was previously available only to wealth management clients paying Rs 50,000+ in annual advisory fees.

The dashboard shows your complete portfolio across asset classes — equity, debt (FDs, PPF, debt MFs, bonds), gold (physical, SGBs, ETFs), real estate, and cash. Each holding shows current value, invested amount, gain/loss, and XIRR. The asset allocation view compares your actual composition against targets based on your risk profile. Goal progress tracking links investments to objectives (e.g., 'Child's Education — Rs 25 lakh by 2032'), showing current progress, projections, and any additional contributions needed.

Finamize offers Free (basic portfolio view, absolute returns, one goal) and Pro tiers. Pro unlocks XIRR across all holdings, detailed asset allocation with target comparison, benchmark comparison against Nifty 50/Sensex/category indices, multi-goal tracking, tax harvesting suggestions (e.g., booking LTCG up to Rs 1.25 lakh exemption annually), rebalancing alerts when allocation drifts beyond 5%, portfolio overlap analysis across mutual funds, and direct vs regular plan cost comparison showing the long-term impact of expense ratio differences.

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Benefits

Why Use Wealth Tracking

XIRR Return Calculation

XIRR (Extended Internal Rate of Return) is the gold standard for measuring investment returns on irregular cash flows — which is exactly what SIP investing produces. Unlike absolute returns or simple CAGR, XIRR accounts for the exact date and amount of each investment and withdrawal. For example, if you invested Rs 10,000/month via SIP for 3 years and your current value is Rs 4,50,000, the absolute return is 25%, but the XIRR is 15.2% — because each installment has been invested for a different duration. Finamize calculates XIRR automatically for every holding, every goal, and your overall portfolio, giving you the most accurate picture of your actual returns.

Asset Allocation View

See your portfolio's composition across five major asset classes: Equity (stocks, equity MFs, ELSS), Debt (FDs, PPF, NPS debt allocation, debt MFs, bonds, SGBs interest component), Gold (physical gold, digital gold, Sovereign Gold Bonds, gold ETFs), Real Estate (property investments and REITs), and Cash (savings accounts, liquid funds). The allocation is shown as both a pie chart and percentage breakdown, compared against a target allocation based on your risk profile. If your target is 60% equity / 25% debt / 10% gold / 5% cash, but your actual is 72% equity, you get a rebalancing alert.

Goal Progress Tracking

Link investments to specific financial goals and track progress with projections. Set goals like 'Child's Engineering Education — Rs 25 lakh by 2032' and link your ELSS SIP and equity mutual fund to it. The tracker shows: current corpus (Rs 8.5 lakh), target (Rs 25 lakh), projected corpus at current contribution rate and assumed 12% return (Rs 27.2 lakh by 2032 — on track), and the minimum monthly contribution needed to stay on track. If your actual returns underperform assumptions, the tracker recalculates and alerts you to increase contributions.

Benchmark Comparison

Compare your portfolio's XIRR return against relevant benchmarks: Nifty 50 Total Return Index, Sensex Total Return Index, category-specific indices (Nifty Midcap 150, Nifty Smallcap 250), FD rates, and inflation (CPI). This comparison tells you whether your portfolio is generating alpha (outperforming benchmarks) or underperforming. For example, if your equity portfolio's XIRR is 16.2% over 3 years while Nifty 50 TRI returned 14.8%, you are generating 1.4% alpha. If it is underperforming, it may be time to review your holdings with your RIA.

Multi-Professional Portfolio View

If you have investments managed or recommended by multiple professionals — say a CA who handles your tax-saving ELSS and PPF, and an RIA who manages your equity portfolio — the unified view brings everything together. See your complete portfolio across all professional relationships, eliminating the fragmentation that comes from working with multiple advisors. Each holding shows which professional recommended it, enabling you to evaluate each professional's contribution to your overall portfolio performance independently.

Historical Performance Charts

Interactive charts showing your portfolio's value and return over time, with key events annotated: SIP start dates, lump-sum investments, withdrawals, market corrections (March 2020 COVID crash, October 2021 peak), and rebalancing events. Zoom into any time period — 1 month, 3 months, 6 months, 1 year, 3 years, 5 years, or custom range. The chart also overlays benchmark performance so you can visually compare your portfolio's trajectory against the market.

How It Works

Get Started in 4 Steps

01

Professionals Update Your Portfolio

Your connected RIA, CA, or CFP adds and updates your investment holdings on the platform — mutual fund folios, stock holdings, FD details, PPF balance, NPS contributions, and other investments. You can also add holdings manually if you manage some investments independently. The system accepts data entry in standard Indian formats: mutual fund folio numbers, stock ISINs, FD account numbers, and PPF account details.

02

Analytics Auto-Calculated

Once holdings are entered with transaction dates and amounts, the analytics engine calculates everything automatically: current market value (using latest NAVs and closing prices), gain/loss per holding, XIRR return per holding and for the overall portfolio, asset allocation percentages, and goal progress projections. Valuations update daily after market close, so you always see yesterday's closing values as the most recent data point.

03

View Returns & Allocation

Access your personalized analytics dashboard showing: portfolio summary (total invested, current value, overall XIRR), holdings table (each investment with purchase date, amount, current value, and XIRR), asset allocation pie chart with target comparison, goal progress trackers, and top/bottom performers. Pro users also see benchmark comparisons, tax harvesting suggestions, and rebalancing alerts.

04

Compare Against Benchmarks

The benchmark comparison module shows your portfolio's XIRR alongside the returns of Nifty 50, Sensex, category indices, FD rates, and inflation over identical time periods. This answers the fundamental question: 'Is my portfolio doing well?' If your 3-year XIRR is 14% while Nifty 50 TRI returned 12% and FD rates averaged 6.5%, your portfolio is outperforming both benchmarks significantly, validating your investment strategy and professional's advice.

Platform Features

What You Get

01

Tax Harvesting Suggestions (Pro)

Identifies tax-loss harvesting opportunities (realize losses to offset gains) and gain harvesting (book LTCG up to Rs 1.25 lakh exemption annually to reset cost basis). Example: Rs 30,000 unrealized loss offsetting Rs 50,000 gain saves Rs 6,000 at 20% STCG. Also flags debt fund timing considerations.

02

Rebalancing Alerts (Pro)

Set target allocation (e.g., 60% equity / 25% debt / 10% gold / 5% cash) and receive alerts when drift exceeds 5%. If equity reaches 68% after a rally, get specific suggestions with amounts to restore targets. Disciplined rebalancing improves risk-adjusted returns over time.

03

Consolidated Mutual Fund View

All mutual funds across fund houses in one interactive view. Filter by fund house, SEBI category, plan type (direct/regular), performance. Identifies duplicate holdings — flags when 3 large-cap funds have 50-60% portfolio overlap in the same stocks.

04

Direct vs Regular Plan Comparison

Shows expense ratio difference for each fund. Example: regular plan at 1.78% vs direct at 0.92% — on Rs 5 lakh over 10 years at 12%, the difference is Rs 1,30,000. Scaled across portfolios and decades, savings reach several lakhs.

05

Capital Gains Tax Report Generator

Generates realized STCG and LTCG report at any time: separates equity gains (LTCG 12.5%, STCG 20%) from debt (slab rate), applies Rs 1.25 lakh LTCG exemption, calculates estimated tax. Shareable with CA for ITR preparation.

06

Portfolio Risk Assessment

Analyzes concentration risk (over-exposure to specific stocks across funds), sector risk (>30% in one sector flagged), fund house risk (>50% with one AMC), and correlation analysis. Composite risk score (1-100) with actionable diversification suggestions.

07

Net Worth Tracker

Total net worth: all assets (investments, real estate, gold, bank balances, PPF, EPF, NPS) minus all liabilities (loans). Monthly tracking with year-over-year comparison. The single most important number for measuring financial progress.

08

SIP Tracker with Step-Up Projection

All active SIPs in one view with XIRR tracking. Step-up projection: Rs 10,000/month at 12% accumulates Rs 1.0 crore in 20 years, but with 10% annual step-up it reaches Rs 1.9 crore — nearly double. Motivates systematic increases with salary increments.

Regulatory Framework

Portfolio Analytics for Indian Investors

1

XIRR calculation is particularly important in the Indian context where SIP (Systematic Investment Plan) is the dominant investment mode — over 8.5 crore SIP accounts are active in India as of 2024, contributing Rs 20,000+ crore monthly. XIRR correctly measures returns on these staggered investments.

2

Asset allocation categories include India-specific instruments: Sovereign Gold Bonds (SGBs) with 2.5% annual interest plus gold price appreciation, Public Provident Fund (PPF) at 7.1% tax-free, National Pension System (NPS) with equity/debt/alternative allocation, and Employee Provident Fund (EPF) at 8.15%.

3

Benchmark comparison uses Indian indices: Nifty 50 Total Return Index (large cap), Nifty Midcap 150 (mid cap), Nifty Smallcap 250 (small cap), Nifty 500 (broad market), and CRISIL Composite Bond Index (debt). These are the benchmarks SEBI mandates mutual funds to use for performance comparison.

4

Tax harvesting suggestions account for India's capital gains tax structure post-Budget 2024: LTCG at 12.5% (equity, >12 months), STCG at 20% (equity, <12 months), and debt funds taxed at slab rate regardless of holding period.

5

Portfolio analytics compliance follows SEBI's guidelines on suitability assessment — the risk assessment module helps professionals evaluate whether a client's portfolio matches their stated risk profile, as required under SEBI (Investment Advisers) Regulations, 2013.

FAQ

Frequently Asked Questions

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