✦ Now with AI Risk Analysis

Your money,
finally understood.

Track your income and expenses, set budgets, and see where your money goes. Plus every investment — stocks, mutual funds, ETFs, FDs — with AI-powered insights on what to do next.

Free Always free tier
All-in-one Expenses · Investments · Tax
2 min Setup time
What you get

One app for your whole financial life

Expenses, cards, investments, trading and tax, built for India and connected to each other.

💸 Income & Expenses FREE

Know exactly where every rupee goes

  • Add income and expenses in seconds, with smart categories
  • Monthly overview: income, spending, savings rate
  • Budget planner with over/under-spend alerts PRO
  • Spending pace, weekday habits, 50/30/20 split and a health score PRO
🏦 Bank Import & Voice Entry

No more typing every transaction

  • Upload your HDFC, SBI or ICICI statement (CSV or Excel) FREE
  • Every line is sorted into a category automatically, and your UPI notes win
  • Just say "yesterday petrol 500" in Tamil or English PRO
💳 Accounts & Credit Cards FREE

Never miss a card bill again

  • Add your bank accounts and credit cards: balances, bill date and due date
  • Reminders before every due date, and one tap to record the payment
  • Pick your card from the list to fill in its rewards, then see which card to use for fuel, shopping or movies
  • Card insights: spend per card, limit used, best days to spend PRO
📊 Investments FREE

Your net worth, in one place

  • Stocks, ETFs, mutual funds, SIPs, FDs and bonds together
  • Live prices once a day on Free, automatic refresh on Pro
  • Sector mix, profit and loss on every holding
  • Portfolio Intelligence: health, investor and risk scores PRO
⚡ Trading P&L FREE

See what really works in your trading

  • Unlimited F&O, intraday and commodity trade log
  • Profit/loss calendar, equity curve and drawdown
  • Win rate, profit factor and segment-wise results
  • Import trades from Zerodha or any broker via CSV
🧾 Tax PRO

ITR-ready in minutes, not days

  • Automatic STCG / LTCG split from your trades
  • F&O business income, 87A rebate and advance-tax hints
  • Tax-loss harvesting ideas to pay less, legally
  • Download a tax PDF and Excel export
✨ AI Analysis & Genie PRO

Ask your money anything

  • AI-powered portfolio review: diversification, risk, tax and savings
  • Genie answers from your own data, as clean tables
  • "How much did I spend on food?" · "What is my STCG?" · "Where can I save?"
And there's more

Small things that save you time

☁️Multi-device syncPhone and laptop, always in sync
📥CSV import & exportYour data is always yours
🔔Bill remindersBefore every card due date
🛡️Financial essentialsInsurance and emergency fund check
📱Works like an appAdd it to your phone's home screen
🇮🇳Made for India₹, lakh/crore, Indian banks and tax rules
🔒Private by designNo bank or broker passwords, ever
🎓Guided tourLearn the app in 2 minutes
How it works

Start in 2 minutes

1Sign up free7 days of full Pro included. No card needed.
2Add your dataUpload a bank statement, import a CSV, or just speak.
3See the full pictureSpending, net worth, trading and tax, all in one dashboard.
Your money, finally understood.Free forever plan · 7-day Pro trial · No card needed
Pricing

Simple, honest pricing

No credit card needed to start. Cancel anytime.

Monthly
Yearly
Free
₹0
Forever free
✓Unlimited equity trades & F&O P&L log
✓MF / SIP / FD / Bond tracking
✓Smart dashboard & net-worth charts
✓Income & expense tracker
✓☁ Multi-device cloud sync
✓Bank statement import (HDFC, SBI, ICICI)
✓Trading P&L insights
✓Financial Essentials (insurance & emergency fund)
✓CSV import & export
✓1 live price refresh / day
🎉 FOUNDING MEMBER OFFER
Pro
₹399 ₹199
per month · 🎉 Launch offer
✓ Pay yearly and save 2 months · 🎉 Launch offer
Yearly: ₹2,000/yr (₹167/mo) · save 2 months
🎉 Free for 7 days — no card needed
✓Everything in Free
✓🔄 Live NSE prices (auto-refresh)
✓✨ AI Portfolio Analysis — 5 per month
✓💬 Genie AI assistant — 30 messages per month
✓📈 Cash Flow Insights & 🎯 Budget Planner
✓🧾 Full tax calculator & harvest tips
✓📊 Portfolio Intelligence scores
✓🎙️ Voice entry (Tamil & English)
✓📤 Excel export & tax PDF report
What you get — Free vs Pro
Feature Free Pro · ₹199/mo
Portfolio
Equity / ETF, F&O P&L log, MF / SIP / FD / Bond tracking✓✓
Smart dashboard (net worth, allocation, 12-month performance)✓✓
Portfolio Intelligence scores (Health · Investor · Risk)—✓
Live NSE prices1 refresh / dayAuto-refresh
Trading
Trading P&L insights (equity curve, win rate, calendar)✓✓
Money
Income & expense tracker, categories, recurring entries✓✓
Voice entry — Tamil & English—✓
Bank statement import with smart categorisation✓✓
Financial Essentials (insurance & emergency fund)✓✓
Budget Planner & Budget vs Actual—✓
Cash Flow Insights (analytics, health score, projection)—✓
Tax & AI
Tax calculator (STCG / LTCG, F&O, 87A, harvesting)—✓
AI Portfolio Analysis—5 / month
Genie AI assistant—30 messages / month
Data
CSV import & export✓✓
Excel export & tax PDF report—✓
Multi-device cloud sync✓✓
New accounts get 7 days of full Pro access, free — no card needed.
Common questions
Do I need a credit card to start?
No. Signing up gives you 7 days of full Pro access with no card, and the Free plan stays free forever. You only pay if you choose to continue with Pro.
Do you need my bank or broker password?
No, never. You upload your own statements or CSV files. For credit cards we only ask for the last 4 digits, never the full card number.
Which bank statements can I import?
HDFC, SBI and ICICI statements, as CSV or Excel. Every transaction is sorted into a category automatically.
Is my data safe?
Your data travels over HTTPS and is stored in an encrypted database. Only you can see your data, passwords are stored hashed, and payments are handled by Razorpay, so we never see your card details.
What happens after the 7-day trial?
You move to the Free plan automatically. Nothing is deleted and no card is charged. Upgrade any time to switch Pro features back on.
Can I use it on my phone?
Yes. It works in any phone browser, and you can add it to your home screen like an app. Your data syncs across your devices.
Can I import my existing trades?
Yes — CSV import works for momentum trades, F&O/intraday, and MF/FD. Download our templates from the import page.
What happens to my data if I cancel?
Your data stays for 90 days after cancellation. You can export everything as CSV anytime before cancelling.
How does live price refresh work?
Pro users get NSE prices via Yahoo Finance, auto-refreshed every 5 minutes during market hours (9:15 AM – 3:30 PM IST). You can also trigger a manual refresh anytime.
📈 SmartFolio
Smart Portfolio Tracker for Indian Investors
WhatsApp Support ✉️ support@thesmartfolio.in
© 2026 SmartFolio · Made in India 🇮🇳 · Privacy · Terms
Good morning 👋
📊 Portfolio Health Score
Based on your trades, diversification, and risk management
Loading health score...
Sector Concentration
momentum holdings only
Recent Activity
last 8 transactions
Add Investment
Manually record a stock trade — open position or closed
Trade Status
Stock Details
NSE / BSE symbol
Buy Details
EXIT DETAILS
Current Market Price
Leave blank to use buy price
Invested
—
Current / Exit Value
—
P&L (after fees)
—
Return %
—
Recently Added
0 trades
No trades added yet. Add your first stock above.
📥 Import CSV
Bulk import momentum trades, F&O/trading entries, or MF/FD/bonds
📂
Drop your CSV file here
or click to browse · .csv files only
🧾 Tax & ITR
Indian tax liability across all investment categories · FY
💼
Income Details
Add your salary to calculate accurate total tax including F&O, FD and other slab-rate income
✨
AI Analysis
Our AI analyses your real portfolio data — stocks, cash flow, tax impact — and gives you personalised, actionable advice. Pro feature — upgrade to unlock.
✨ AI Analysis
Personalised insights · Based on your actual portfolio data
👤 Your Investor Profile Used by AI for personalised advice
✨
Ready to analyse your portfolio
Our AI will review your trades, MF/FD holdings, tax impact, and spending patterns to give you personalised, actionable advice.
⚙️ Settings
Customize your SmartFolio experience
🎨 Appearance
Theme
Switch between dark and light mode
Currency Format
Indian numbering system (1,00,000)
₹ Indian
👤 Account
Current Plan
Free
💾 Data & Privacy
Export Portfolio
Download all your data as CSV
Sync from Cloud
Reload your portfolio from Supabase
Clear All Local Data
Removes all portfolio data from this browser. Cannot be undone.
ℹ️ About SmartFolio
Versionv1.0.0 Beta
Tax rulesFY 2025-26 Indian regime
Price dataNSE prices (5-min delay)
💬 Feedback & Feature Requests
Found a bug? Have a feature idea? We read every message — your feedback shapes what we build next.
⚡ Equity
Open positions, closed trades and P&L
· auto every 5 min
📭
No momentum trades yet
Add your first trade using Add Investment
🏦 MF / FD / Bonds
Mutual funds with SIP tracking · Fixed deposits · Bonds
📭
No entries yet
Use + Add FD/Bond for deposits & bonds, or + New SIP to add a mutual fund
⚡ Trading
Track every trade across your custom segments
💰 CAPITAL
📅 MONTH
📭
No trades yet
Click + Add Trade to log your first trade
🎯 Goals
Car, bike, house, emergency fund… see how much to set aside each month
💰 Cash Flow
Track income, expenses and savings
Month:
💸 Expense Breakdown
💰 Income Sources
📊 Income vs Expense
Transactions
🧞
Genie
Ask me anything about your money