Mutual fund review & goal planner · India

Corpus

Enter what you hold, get a plain-language diagnosis, then plan the monthly amount and split that reaches your target. Built for direct-plan DIY investors, not for selling you a fund.

Runs entirely in your browser. Your amounts are saved only on this device. The optional fund-name search sends just the letters you type to a public NAV API (mfapi.in).
Step 1

Your holdings

Copy these from your app or CAS: invested amount, current value, and the monthly SIP (0 if none). Category matters most — pick the closest.

FundCategoryPlanInvested ₹Current ₹SIP ₹/moXIRR1y / 3y / 5y
No funds yet. Add one or load the sample portfolio.
Diagnosis

How the portfolio looks

Where the money sits

Findings

Step 2

Plan the goal

Monthly numbers, not annual. Investable amount defaults to income minus expenses; edit it to what you'll actually commit.

Rent, EMIs, lifestyle — everything
What leaves the account every month, no matter what
Raise the SIP with every salary hike
Long-run blended; 12% is the honest planning number
Allocation

Split every rupee like this

SlotType of fundTarget %You holdOn your amountWhy it's there

Percentages are the rule; rupee amounts follow whatever you can invest that month. One fund per slot — never two of the same kind.

Projection

Year by year

Starting from today's value, adding the monthly amount with step-up. The two thin lines are the 8% and 15% cases; the shaded band is where reality will most likely land.

Year endAgeTotal invested8%12%15%Gain at 12%
How it works

Rules and arithmetic, not AI

There is no model behind this page. Every verdict comes from a fixed rule you can read below, and every number from the formulas listed. That's the point: the same inputs always give the same answer, and you can check it.

FindingsA fixed checklist. Fix now: Regular plan; IDCW/dividend option; emergency fund below 6× monthly expenses. Rethink: more than 7 funds; two funds in one equity category; active + index small cap; sectoral/silver bets; gold over 15%; mid+small over 40%; one fund house over 40%; a fund trailing the Nifty 50 by 2+ points over 3 years. Note: hybrid under 45 with a long horizon; ELSS; positions under 3% or over 55%; funds under 3 years old; purchases made ad-hoc instead of a fixed SIP; money invested right after a 30%+ rally; units under a year old on anything flagged for exit (tax and exit load).
Required SIPBinary search for the monthly amount S such that V·(1+r)ⁿ + Σ S·(1+r)ᵏ reaches the target by the date, where r is the monthly rate from the return you picked, V today's value, and S grows by the step-up every 12 months.
AllocationThree fixed splits by years to target — under 3 (defensive, 40% arbitrage), 3–7 (20% arbitrage), over 7 (all growth). At 45+, 10% moves from mid/small to arbitrage. Percentages are opinions, not optimisation.
ProjectionMonth-by-month compounding of today's value plus each SIP at 8%, 12% and 15% a year. Nominal rupees — inflation not subtracted.
CAS importYour statement PDF is opened in the browser with pdf.js (Mozilla's open-source reader). Every purchase, SIP and redemption becomes a dated cash flow; XIRR is solved from those plus the statement's own valuation. The file and its contents never leave this page.
Fund dataNames, categories and full NAV history come from mfapi.in, a free public mirror of AMFI data. 1/3/5-year returns are CAGR between NAVs; the benchmark is UTI Nifty 50 Index Fund (Direct). Cached in your browser for a day.
What it doesn't doNo stock-level overlap (needs paid holdings data), no expense ratios (no free source), no fund ranking, no prediction. It flags structure and behaviour — the mistakes that are actually avoidable.
Tax

What the taxman takes

Rules as of FY 2026–27 for resident individuals. Holding period counts from each SIP instalment, not from the first one.

Equity fundsSold after 1 year: 12.5% on gains above ₹1.25 L per year. Under 1 year: 20%. Includes arbitrage and index funds.
Gold & silver FoFsSold after 2 years: 12.5%. Before that: your income-tax slab.
Debt & liquid fundsAlways your slab rate, no holding-period benefit. In the 30% bracket, prefer an arbitrage fund for the safe sleeve.
Harvest ₹1.25 L every MarchSell equity units carrying up to ₹1.25 L of long-term gain, buy back next day. That gain becomes permanently tax-free.
ELSSThe 80C deduction exists only in the old tax regime. Under the new regime it's just a 3-year lock-in for nothing.
Direct vs RegularRegular plans pay ~1% a year to a distributor. On ₹1 Cr that's ₹1 L every year. Always Direct.