Free · For Indian investors · No ads, ever

Your money,
finally making
sense.

A free toolkit for salaried Indians with SIPs, FDs & PF — to track every rupee, audit your funds, and plan your goals. No jargon. No ads. No commission.

or See My Net Worth →

25+

Free tools

Ads ever

100%

India-specific

₹10,000 / month SIP

After 0 yrs

Invested

₹0L

Equity Mutual Fund

₹0L

Fixed Deposit

₹0L

Watch the gap widen...

₹10k/mo SIP simulation · illustrative only

Pick what describes you — we'll show you where to start.

🌱

I'm new to investing

Learn how mutual funds work, why they beat FDs long-term, and how to start your first SIP the right way.

Start with the basics →

📊

I already have SIPs

Find out your real XIRR, compare against benchmarks, and get a clear signal on which funds to keep or exit.

Analyse my portfolio →

🔥

I'm planning my future

Calculate your retirement corpus, child's education fund, home purchase — or your financial independence date.

Plan my future →

📊 Net Worth Tracker

🏥 True XIRR

⚡ Fund Health Check

🔥 FIRE Calculator

🗺️ MF Universe

🎯 Goal Planner

🔬 Fund Comparison

📈 SIP Tracker

🏖️ Retirement Planner

💡 Alpha Screener

📉 Benchmark vs Your Returns

📊 Net Worth Tracker

🏥 True XIRR

⚡ Fund Health Check

🔥 FIRE Calculator

🗺️ MF Universe

🎯 Goal Planner

🔬 Fund Comparison

📈 SIP Tracker

🏖️ Retirement Planner

💡 Alpha Screener

📉 Benchmark vs Your Returns

The Nivesify journey

Four steps to total financial clarity.

Step 01

📊

See your full picture

Add all your assets — MF, PF, FD, stocks, gold. One real net worth number.

Upload your CAS. Get true XIRR, benchmark comparison, and a Hold/Review/Exit signal.

Browse 500+ active and index funds. Screened by alpha, category, and expense ratio.

Explore MF World →

Step 04

🔥

Plan your future goals

FIRE, retirement, home, education — run real projections with real numbers.

Open Calculators →

Fund

Trend

XIRR

Signal

Parag Parikh Flexi Cap

XIRR 18.7% · +4.6% vs bench

18.7%

HOLD

Mirae Large Cap

XIRR 16.2% · +2.1% vs bench

16.2%

HOLD

HDFC Mid Cap Opp.

XIRR 11.3% · -2.8% vs bench

11.3%

REVIEW

SBI Small Cap

XIRR 9.1% · -5.0% vs bench

9.1%

EXIT

HOLD

REVIEW

EXIT

— clear verdict per fund

Fund Health Check

Your fund says 18%.
Does yours?

A fund's published returns are not yours. Your real XIRR depends on when you invested, how much, and at what NAV — and it's often very different.

Upload your CAS from CAMS or KFintech. Get your true XIRR, a benchmark comparison, and a clear Hold / Review / Exit signal for every fund. In 3 minutes.

📤Upload CAS from CAMS / KFintech — free

⚡Get true XIRR & alpha vs benchmark instantly

🚦Hold, Review or Exit — clear signal per fund

Money Dashboard