The wealth platform that thinks alongside you
See everything you own, know what you should do next, plan for any future. CashFlow Planner turns 30 spreadsheets and apps into one coherent picture.
See everything you own
Bank accounts, FDs, mutual funds (across folios and AMCs), demat holdings, EPF, PPF, NPS, gold (physical, SGB, ETF), real estate, crypto, even ESOPs. One live snapshot.
Know what you should do next
The AI planner runs goal projections, tax-loss harvesting on the ₹1.25L LTCG exemption, insurance gap analysis, and retirement scenarios — then writes a one-page next step.
Plan for any future
Stress-test against job loss, inflation spikes, market crashes. Toggle scenarios (SIP +₹15k, retire at 55 vs 60). Watch your trajectory react in real-time.
Six things you can do in your first session
Unified portfolio
All your holdings in one view — drillable to scheme, AMC, fund manager, current NAV, cost basis, and gain/loss.
Goal projections
Every goal projected with inflation, required SIP, current trajectory, and on-track / off-track flag.
Tax harvesting
March-end automation: identifies LTCG up to ₹1.25L to harvest tax-free, and STCG losses to offset.
Scenario builder
Toggle 'retire at 55' vs 60, 'SIP +₹15k', 'market drops 30%'. Trajectory rebuilds in real-time.
Insurance gap
Recommended term cover vs current cover, health insurance adequacy, and where you're under-protected.
Asset allocation drift
Live tracking of equity/debt/gold drift from your target. Rebalancing alerts only when threshold breached.
CashFlow Planner vs everything else you've tried
| Capability | CashFlow Planner | Excel | Traditional Advisor | Kuvera / INDmoney |
|---|---|---|---|---|
| Aggregates portfolio across banks, AMCs, brokers | — | — | ||
| AI-generated next-step recommendations | — | — | — | |
| Tax-loss harvesting on ₹1.25L exemption | — | — | ||
| Scenario planning (job loss, retire early) | — | |||
| No product sales / commissions | — | — | ||
| Insurance gap analysis | — | — | ||
| Built for ₹10L+ portfolios | — |
Why we built this
Most serious investors we meet share the same starting point: EPF, NPS, mutual funds across three AMCs, FDs at two banks, a forgotten SGB tranche, a flat, a small US stocks position — and a vague sense that things are “probably fine.”
Usually they aren't fine. Not terrible — but there's no view of actual net worth, no rebalancing happening, no tax harvesting, and the retirement projection is somebody's spreadsheet from 2019. Investors deserve one place that makes the picture honest and actionable. Excel isn't enough. Most apps are either glorified portfolio trackers or thinly disguised distributor platforms.
CashFlow Planner is that place. A serious tool for serious investors — professionals, NRIs, families with real complexity. It doesn't sell you products. It tells you what to do.
— The PlanMyCashflows Team
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