๐ฆ
Import Bank Statement
Auto-read all transactions in 1 click
๐
EMI Bifurcation
Split EMI into Principal + Interest
๐
Add Investment
Track MF, stocks, FD, gold
๐ค
AI Snapshot
Instant financial health analysis
Monthly Income
โน0
Add income sources
Monthly Expenses
โน0
Add expenses
Monthly Savings
โน0
Income minus Expenses
Net Worth
โน0
Assets minus Liabilities
Savings Rate
0%
Target: 20%+
Portfolio Value
โน0
Total invested
Total Assets
โน0
Total Liabilities
โน0
Income vs Expenses Monthly breakdown
Add income and expense data to see your breakdown chart
AI Wealth Snapshot Not generated yet
Welcome to Personal CFO v5 ๐
Your AI-powered CFO is ready. Import your bank statement to unlock full analysis.Zero-Effort Features NEW
Bank import ยท EMI parser ยท Platform connect ยท Multi-currency ยท 10 Indian languagesFinancial Health Score โ 6 Dimensions AI graded
Savings Rateโ
Debt-to-Incomeโ
Emergency Fundโ
Investment Rateโ
Income Diversityโ
Net Worth Growthโ
Income by Type
Add income to see breakdown
Expenses by Category
Add expenses to see breakdown
Investment Mix
Add investments to see mix
Quick Add Form
What are you logging?
Category
Amount
Description
Date
Frequency
Recent Quick Entries 0 today
Use Quick Entry to log transactions instantly
Pro Tip
Log daily in under 30 seconds. AI spots your patterns weekly and flags anomalies automatically.๐ CTC & Employment Details
Annual CTC (โน)
Basic Salary % of CTC
Typically 40โ50%
City Type (for HRA exemption)
Monthly Rent Paid (โน) โ for HRA
Leave 0 if living in own house or no rent paid
PF Contribution
Professional Tax (Monthly โน)
Maharashtra: โน200/mo ยท Some states: โน0
Annual Bonus / Variable Pay (โน)
Employer NPS (% of Basic)
Gratuity (included in CTC?)
๐ Deductions You Are Claiming (Old Regime)
80C โ PF + PPF + ELSS + LIC + Home Principal (Max โน1.5L)
80D โ Health Insurance Premium (Max โน25K self, +โน50K parents)
80CCD(1B) โ NPS extra deduction (Max โน50K)
24(b) โ Home Loan Interest (Max โน2L)
LTA โ Leave Travel Allowance claimed (โน)
๐ผ
Enter your CTC to decode your salary
Total Limit
โน0
Total Used
โน0
Utilization
0%
Due This Month
โน0
โ Add Credit Card
Card Name / Bank
Credit Limit (โน)
Current Outstanding (โน)
Bill Due Date
Min Due %
Annual Fee (โน)
My Credit Cards
No cards added yet
๐ก Credit Score Tips
โ
Keep utilization below 30% for good credit score
โ
Always pay full amount, not just minimum due
โ
Never miss a payment โ set auto-pay for minimum
โ
Don't close old cards โ length of credit history matters
โ
Space out new card applications by 6 months
LTCG (Equity)
โน0
STCG (Equity)
โน0
LTCG (Other)
โน0
Tax Payable
โน0
โ Add Sale Transaction
Asset Type
Asset Name
Purchase Price (โน)
Sale Price (โน)
Purchase Date
Sale Date
Capital Gains Register โ FY 2025-26
No transactions added
๐ Tax Rates Reference FY 2025-26
| Asset | Holding Period | Tax Rate | Exemption |
|---|---|---|---|
| Equity / Eq MF | > 1 year (LTCG) | 12.5% | โน1.25L exempt |
| Equity / Eq MF | < 1 year (STCG) | 20% | None |
| Debt MF / Bonds | Any (post Apr 23) | Slab rate | None |
| Real Estate | > 2 years (LTCG) | 12.5% | 54EC bonds |
| Gold / SGBs | > 3 years | 12.5% | SGB: Tax free |
๐
Income Statement
All income transactions as CSV
๐ธ
Expense Statement
All expense transactions as CSV
๐๏ธ
Complete Statement
Income + Expenses + Investments
๐ Financial Summary Report
๐ Data Summary
Upload Bank Statement
๐
Drop your bank statement here
or click to browse files
PDFCSVXLSXLSX
Supported Banks
SBI ยท HDFC ยท ICICI ยท Axis ยท Kotak ยท Yes ยท PNB ยท BOB ยท Canara ยท Union ยท IndusInd ยท All UPI/NEFT statements100% Private
Statement processed locally in your browser. No data sent to any server.Direct Bank Connect
๐๏ธ
SBI
AA Soon๐ต
HDFC
AA Soon๐
ICICI
AA Soon๐ฃ
Axis
AA SoonRBI Account Aggregator (AA)
Direct bank API sync via AA framework โ daily auto-sync of all transactions. Launching next version.Income Entry
Income Type
Amount
Frequency
Source / Description
Date
Recent Entries 0
No income yet.
Monthly
โน0
Annual
โน0
Sources
0
Primary %
0%
Income Register
No income. Add income โ
Income by Type
Add income
Diversification Score
Add multiple sources
๐ Income Growth vs Inflation
๐ Passive Income Tracker & FIRE Progress
AI Income Intelligence
Ready for Analysis
Add income entries then click AI Analyze for deep insights on diversification, passive income ratio, and growth roadmap.Expense Entry
Category
Amount
Frequency
Description
Date
Nature
Tax Deductible?
Recent Entries 0
No expenses yet.
Monthly
โน0
Annual
โน0
Essential
โน0
Tax Deductible
โน0
Expense Register
No expenses. Add expense โ
By Category
Add expenses
Essential vs Discretionary
No data
โ ๏ธ Spending Anomalies โ Month vs Average
๐ Subscription & Recurring Expense Audit
Add expenses to detect subscriptions
AI Expense Intelligence
Ready
Add expenses then click AI Analyze for spending leak identification and savings plan.
50/30/20 Budget Rule
Monthly Income Basis:
50%
Needs โ Essential
Housing, food, utilities, transport
0% usedTarget: max 50%
30%
Wants โ Discretionary
Dining, travel, entertainment
0% usedTarget: max 30%
20%
Savings and Investments
Emergency, invest, debt payoff
0% savedTarget: min 20%
๐ Budget Targets by Category
Monthly Income:
Add income and expenses to see budget targets
Manage Categories
Click custom category to remove it
AI Budget Analysis
50/30/20 Framework
Add income and expenses. AI checks compliance and gives exact plan.Enter Loan Details
Loan Type
Loan Amount
Interest Rate % p.a.
Tenure (months)
Start Month
Lender Name
No loans calculated yet.
EMI Bifurcation Guide
Principal โ Reduces Liability
Repays loan balance. Reduces liability on balance sheet, grows net worth. Qualifies for 80C deduction up to Rs 1.5L/year.Interest โ Finance Expense
Pure cost of borrowing. Home loan interest: 24(b) deduction up to Rs 2L/year. Saves substantial tax at 30% slab.AI Tax Tracker
Automatically calculates eligible deductions under 80C and 24(b) based on your loan type. Every rupee of tax saving tracked.โก Prepayment Impact Calculator
See how much you save by paying extra every month
Outstanding Balance (โน)
Interest Rate (%)
Remaining Months
Extra Monthly Payment (โน)
Investment Entry
Type
Amount Invested
Current Value
Name / Description
Date Invested
Expected Return % per year
Risk Level
Portfolio Preview 0 investments
No investments yet.
Total Invested
โน0
Current Value
โน0
Total Return
โน0
Return %
0%
Holdings
No investments. Add portfolio โ
Asset Allocation
Add investments
๐ Portfolio Analysis & XIRR
Add investments with dates to see XIRR and portfolio health
Your Net Worth
NET WORTH
โน0
Add data
โ Assets: โน0โ Liab: โน0
Add Asset
Name
Category
Value
No assets
Add Liability
Name
Category
Outstanding Amount
No liabilities
๐ Net Worth Trend
Net worth trend will appear here as data accumulates.
AI Net Worth Intelligence
Ready
Add assets and liabilities. AI calculates FI number, years to retirement, and personalized wealth growth plan.Total Assets
โน0
Real Estate
โน0
Investments
โน0
Other Assets
โน0
Asset Register
No assets. Add via Net Worth โ
Total Liabilities
โน0
Loans
โน0
Credit Cards
โน0
Other
โน0
Liability Register
No liabilities. Add via Net Worth โ
โก Quick Goal Templates
Emergency Fund (6 months expenses)
Target: 6x monthly expenses in liquid savings
โน0 needed
Progress0%
Add income and expenses to calculate
Financial Independence (FIRE Number)
Target: 25x annual expenses
โน0 needed
Progress0%
Add data to estimate timeline
AI Goal Planning
Get Your Goal Plan
Click AI Goal Planning for personalized goals with exact monthly savings targets and timelines.Your Income Sources
We auto-detected your income below from bank data. Edit or add more sources.
Employment / Business Type
Age / Senior Citizen
Total Gross Income
โน0
๐
Advance Tax Tracker
๐ค AI Tax Intelligence
Complete steps 1โ3 first
Fill in your income and deductions above, then get a personalized AI tax plan with exact savings in rupees.๐ค Your Retirement Profile
Current Age
Target Retirement Age
Life Expectancy
Current Monthly Expenses (โน)
Post-Retirement Lifestyle
Inflation Rate
Expected Investment Return
Annual SIP Step-Up
Existing Retirement Corpus (reduces monthly SIP needed)
EPF / PF Balance (โน)
NPS Balance (โน)
PPF Balance (โน)
Monthly Pension Expected (โน)
๐
Fill your profile above and click Calculate
๐ Retire at Different Ages โ Side by Side
Fill profile to see scenarios
๐ Savings Milestone Check
Adapted from Fidelity benchmarks for India
Fill profile to see milestones
โ๏ธ Ideal Portfolio Allocation for Your Age
Fill age to see recommended allocation
๐ค AI Retirement Intelligence
Personalised Retirement Roadmap
Fill your profile above, then click Deep Analysis for year-by-year projections, specific fund recommendations, and a withdrawal strategy built for your situation.
Add Insurance Policy
Policy Type
Insurer
Cover Amount
Annual Premium
Renewal Date
Policy Number
Coverage Summary Total Premium: โน0 per year
No policies added. Add above or let AI audit your needs.
Under-Insurance Risk
Most Indians are under-insured. Life cover should be at least 10x annual income. Add your policies and get an AI audit.AI Insurance Intelligence
Get Insurance Audit
Click AI Insurance Audit for personalized assessment: how much cover you need, what you are paying vs what is adequate, and top gaps to fill.๐
Monthly
๐ Quarterly
๐ Annual
๐งพ Tax Summary
๐น Cash Flow
Monthly Personal Finance MIS โ March 2026
Auto-compiled from your data ยท Personal CFO v5
PERSONAL CFO
Income
โน0
Expenses
โน0
Savings
โน0
Savings Rate
0%
Generate Your Monthly MIS
Click Generate Full Report. AI compiles a complete monthly financial report with executive summary, income analysis, expense breakdown, investment update, tax deductions, and next month action plan โ all using your actual data.SIP Calculator
Monthly SIP Amount
Return % per year
Time Period (years)
Amount Invested
โน0
Maturity Value
โน0
Compound Interest Calculator
Principal Amount
Rate % per year
Years
Compounding
Maturity Amount
โน0
Interest Earned
โน0
FD Maturity Calculator
FD Amount
Rate % per year
Tenure (months)
Maturity Amount
โน0
Interest Earned
โน0
Inflation Impact Calculator
Current Amount
Inflation % per year
Years
Inflation Impact
Enter values above to see purchasing power erosion over time.๐ฏ Goal SIP Calculator
How much should I invest monthly to reach my goal?
Target Amount (โน)
Time Period (years)
Expected Return % p.a.
Existing Savings (โน)
Annual Step-Up % (optional)
๐ Goal Quick Templates
Click a goal to auto-fill the calculator
FREE โ ANNUAL PLAN
ITR-1
Salary + One House + Interest Income
โน0
Complimentary for Annual subscribers
FREE โ ANNUAL PLAN
ITR-2
Salary + Capital Gains + Multiple Properties
โน0
Complimentary for Annual subscribers
90% OFF โ LIMITED
ITR-3
Business / Profession + Salary + CG
โน10,000
โน999
44AD / 44ADA / Regular Books
90% OFF โ LIMITED
ITR-4
Presumptive Income (44AD/44ADA/44AE)
โน10,000
โน999
Freelancers / Small Business / Contractors
๐ My ITR Requests
AY 2026-27 ยท FY 2025-26
No ITR requests yet. Click "New ITR Request" or select an ITR type above.
๐ Documents Checklist โ What We Need
Everyone needs:
โ
Income Tax Portal login (PAN + Password)
โ Aadhaar linked to PAN
โ Bank account details for refund
โ Mobile number linked to PAN
โ Aadhaar linked to PAN
โ Bank account details for refund
โ Mobile number linked to PAN
Based on your income:
๐ Form 16 (if salaried)
๐ฆ Bank interest certificates (FD/SB)
๐ Home loan interest certificate
๐ Capital gains statement (MF/stocks)
๐ข Rental income โ rent agreement
๐ Investment proofs (80C/80D)
๐ฆ Bank interest certificates (FD/SB)
๐ Home loan interest certificate
๐ Capital gains statement (MF/stocks)
๐ข Rental income โ rent agreement
๐ Investment proofs (80C/80D)
๐ก Form 26AS not needed from you โ we will download it directly from the Income Tax Portal using your login credentials.
๐ Your credentials are secure โ Portal login is used only for AIS/26AS download and pre-filling. We never store your password in plain text. After filing is complete, we recommend you change your portal password as a precaution. All data is handled by Prabhakar Kumar & Co. (ICAI registered CA firm).
๐
Personal CFO v5 โ Complete AI Wealth Advisor
All features fully restored and new automation added. Every sidebar item works.
All features fully restored and new automation added. Every sidebar item works.
Complete Feature Set
Income (14 types) ยท Expenses (22 categories) ยท EMI bifurcation ยท Bank import ยท Budget Check ยท Assets ยท Liabilities ยท Goals ยท Tax Planning ยท Retirement Plan ยท Insurance Tracker ยท Capital Gains ยท Salary Decoder ยท Credit CardsZero-Effort Automation
Import bank statement โ AI categorizes 1000+ transactions automatically ยท Enter loan โ full EMI schedule + tax benefits generated ยท Fill tax wizard โ old vs new regime computed instantlyMulti-Language Support
Select language in top-right header. I respond in Hindi, Marathi, Bengali, Telugu, Tamil, Gujarati, Urdu, Kannada, Odia, or Malayalam.Personal CFO v5 ยท Ready