Complete User Guide

How to get the most
from My Portfoly

From income to expenses, savings to investments, loans to goals — a step-by-step walkthrough of every feature.

👤 Set Up Your Profile💰 Track Income💸 Track Expenses🏦 Set Up Savings📈 Add Investments🏠 Track Loans🛡️ Add Insurance🎯 Set Financial Goals🤖 Use AI Finance Coach
👤
Step 01 — Set Up Your Profile

Start with your profile

Sign up at myportfoly.com — free, no credit card needed. Fill in your name, date of birth, city, and mobile number. This takes under 2 minutes and personalises your dashboard immediately.

💡 Pro Tips
  • Date of birth is used for age-based asset allocation advice
  • City helps localise tax and scheme recommendations
  • PAN entry on the next screen unlocks automatic mutual fund import
💰
Step 02 — Track Income

Log every rupee that comes in

Go to Savings → Add Income. Add your salary, freelance income, rental income, business income, or any other source. Toggle "Fixed Monthly Income" so your salary logs itself automatically every month — no manual entry needed.

Savings → Add Income → toggle Fixed Monthly for salary
💡 Pro Tips
  • Add all income sources — salary, freelance, rental, business
  • Toggle Fixed Monthly Income for salary — auto-recurs every month
  • Multiple income streams give accurate savings rate calculation
💸
Step 03 — Track Expenses

Know where every rupee goes

Add expenses under Transactions → Expense. Pick a category (Food, EMI, Shopping, Travel, Entertainment). Set monthly budget limits per category — the app alerts you at 85% spend.

Transactions → Add → Type: Expense · Budgets → Set limits
💡 Pro Tips
  • Use Budgets tab to set monthly limits per category
  • App alerts when nearing your spending limit
  • Upload CSV bank statements to bulk-import past transactions
🏦
Step 04 — Set Up Savings

Track bank accounts and government savings schemes

Go to Savings → Add. Pick your savings instrument from three groups: Bank & Cash (savings account, current account, FD, RD, emergency fund), Government Schemes (PPF, EPF, NPS, RBI Bond), or Post Office (NSC, SCSS, Sukanya Samridhi, KVP). Enter deposit amount, current balance, interest rate, and maturity date. My Portfoly calculates maturity value and shows renewal alerts before FDs expire.

Savings → Add → pick from Bank & Cash / Govt Schemes / Post Office
Savings AccountCurrent AccountBank FDRDEmergency FundPPFEPFNPSNSCSCSSSukanya SamridhiKVPPOMISRBI Bonds
💡 Pro Tips
  • Add bank savings account and current account to track cash balance
  • Enter opening balance + current balance to track interest earned
  • App shows maturity date and renewal reminders for every scheme
📈
Step 05 — Add Investments

Your entire portfolio, one screen

Two ways to add investments: upload a broker or fund statement (fastest — AI extracts everything in seconds), or add manually one by one. Either way, live prices auto-refresh daily so your P&L, XIRR, and net worth stay current.

Investments → Import Holdings (upload) · OR · Investments → Add Investment (manual)
Asset ClassManual EntryUpload Source
Indian StocksTicker (NSE/BSE), qty, avg buy priceBroker statement (Zerodha/Groww/Upstox/Angel One)
Mutual FundsFund name / ISIN, units, avg NAVCAS from CAMS or KFintech (covers all AMCs)
US StocksTicker (NYSE/NASDAQ), qty, buy price (USD)Broker CSV export
ETFsNSE ticker, qty, buy priceBroker statement
NPSTier, fund manager, units, NAVCAS from CAMS/KFintech
CryptoCoin name, quantity, buy price (₹)Exchange CSV export
Gold / SGBGrams or bond units, buy priceDemat statement
Real EstateProperty value, purchase price, cityManual only
How to get your statement
📄
CAMS CAS — All Mutual Funds at onceRecommended

Best for MF investors · covers every AMC

  1. 1Go to camsonline.com → Statement → Consolidated Account Statement
  2. 2Enter your PAN + email registered with any AMC
  3. 3Choose "Detailed" statement, select date range → Submit
  4. 4Download the PDF sent to your email
  5. 5In My Portfoly: Investments → Import Holdings → upload PDF
📊
KFintech CAS — Alternative MF source

Same coverage as CAMS, different platform

  1. 1Go to kfintech.com → Investor Services → CAS
  2. 2Enter your PAN + registered email → OTP verify
  3. 3Download Consolidated Account Statement (PDF)
  4. 4In My Portfoly: Investments → Import Holdings → upload PDF
📉
Zerodha / Groww / Upstox — Stocks & ETFs

Works with any Indian broker

  1. 1Zerodha: Console → Portfolio → Holdings → Download CSV
  2. 2Groww: Reports → Portfolio Statement → Export
  3. 3Upstox: Reports → Holdings → Download
  4. 4Angel One: Reports → Holdings / P&L → Export
  5. 5In My Portfoly: Investments → Import Holdings → upload file
📸
Screenshot or photo of statement

AI reads images too — PDF, PNG, JPG all work

  1. 1Take a screenshot of your broker app portfolio screen
  2. 2Or export any statement as PDF / Excel / CSV
  3. 3In My Portfoly: Investments → Import Holdings → drag & drop or browse
  4. 4AI extracts holdings automatically — review and confirm
💡 Pro Tips
  • Upload CAS from CAMS/KFintech — imports ALL mutual funds in one go
  • Upload Zerodha/Groww/Upstox P&L or holdings report for stocks
  • For manual entry, add ISIN or NSE ticker for live price sync
  • Real estate: enter purchase price + current estimated value
  • Crypto values update from live exchange rates daily
🏠
Step 06 — Track Loans

See your complete debt picture

Go to Investments → Loans section. Enter outstanding principal, interest rate, EMI amount, and tenure remaining. The dashboard shows total debt, monthly EMI burden, and payoff date. This is critical — net worth = assets minus liabilities, so missing a loan inflates your number.

Investments → Add → Category: Loans
Home LoanCar LoanPersonal LoanEducation LoanCredit Card DebtGold LoanLoan Against Property
💡 Pro Tips
  • Track ALL loans — hidden debt = false net worth
  • See total EMI vs monthly income ratio at a glance
  • App shows payoff date for each loan
🛡️
Step 07 — Add Insurance

Never let a policy lapse again

Go to Investments → Insurance. Add health, life, vehicle, and home insurance. Enter cover amount, annual premium, and renewal date. My Portfoly sends renewal reminders 30 days before expiry so you're never caught off guard.

Investments → Add → Category: Insurance
Health – SelfHealth – Family FloaterHealth – ParentsSuper Top-upTerm Life – SelfTerm Life – SpouseCritical IllnessVehicleHome
💡 Pro Tips
  • Add all family members to health policies
  • See total coverage vs recommended (15–20× annual income for life)
  • Renewal alerts 30 days before expiry — never lapse again
🎯
Step 08 — Set Financial Goals

Turn dreams into tracked targets

Go to Goals → Add Goal. Enter the goal name, target amount, and target date. Link existing savings/investments to the goal. A visual progress bar tracks how close you are. The AI tells you exactly how much to invest monthly to hit each target.

Goals → Add Goal → link investments to goal
🆘
Emergency Fund
3–6 months expenses
🏠
Home Down Payment
20% of property value
✈️
Dream Vacation
Annual travel budget
🎓
Child's Education
15-year SIP target
👴
Retirement Corpus
25× annual expenses
💡 Pro Tips
  • Set Emergency Fund goal first — 3–6 months expenses as a minimum
  • AI calculates required monthly investment for every goal
  • Retirement goal shows exact corpus needed at your target age
🤖
Step 09 — Use AI Finance Coach

Your personal CFO, always on

Go to AI Chat and ask anything. My Portfoly AI reads your actual portfolio, loans, budgets, and goals before answering — no generic advice. Ask about retirement plans, loan prepayment, insurance gaps, or monthly savings capacity.

AI Chat → type your question
Try asking:
→ "How much can I save this month?"
→ "Am I on track to retire at 55?"
→ "Which investment is dragging my returns?"
→ "Should I prepay my home loan or invest the surplus?"
→ "Am I under-insured vs my income?"
💡 Pro Tips
  • AI uses your real numbers — not generic averages
  • Ask before any big financial decision
  • Good questions: "Am I on track to retire at 55?", "Should I prepay my loan?", "Where is most of my money going?"
Get the most out of it

Best practices for power users

📅

Log transactions daily

Takes 30 seconds. Monthly catch-up is painful and inaccurate.

📊

Check net worth weekly

Spot trends before they become problems.

🔄

Review asset allocation monthly

Rebalance before your portfolio drifts too far from your target.

🔔

Set all renewal dates

Insurance and FD maturity dates — never miss, never lapse.

🤖

Use AI before big decisions

Data-backed clarity before every major financial move.

📋

Add ALL assets and debts

True net worth = nothing hidden. Even small amounts matter.

📤

Re-upload CAS quarterly

Get a fresh CAS every 3 months — new SIP units and NAV changes auto-update your portfolio.

Quick Reference

IncomeSavings → Add Income → toggle Fixed Monthly for salary
ExpensesExpenses → Add → Type: Expense + Budgets tab
Bank AccountsSavings → Add → Bank & Cash → Savings / Current Account
Savings SchemesSavings → Add → Govt Schemes / Post Office / Bank & Cash
Import StatementInvestments → Import Holdings → upload PDF / CSV / image
MF via CAScamsonline.com or kfintech.com → download CAS → upload
Stocks via brokerZerodha / Groww / Upstox → export Holdings CSV → upload
InvestmentsInvestments → Add Investment → pick asset class (manual)
LoansInvestments → Add → Category: Loans
InsuranceInvestments → Add → Category: Insurance
GoalsGoals → Add Goal → link savings/investments
AI CoachAI Chat tab → ask anything about your portfolio
Net WorthDashboard → auto-calculated from all assets minus debts

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