How to get the most
from My Portfoly

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.

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.

Add expenses under Transactions → Expense. Fastest way: use the Quick Add bar at the top of the Expenses page — type an amount, tap a category, hit + and it's logged in seconds (no form to open). For income, a custom date or notes, use the full Add button. Set monthly budget limits per category and the app alerts you at 85% spend.

My Portfoly can pull transactions in automatically so you barely enter anything by hand. Everything auto-captured lands in a Review inbox first — nothing touches your books until you approve it, so you stay in full control. Set up any of the sources below on the Connect page (web) or the mobile app, then approve entries under Review.

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.

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.

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. For a credit card, add it as "Credit Card Outstanding" and set the Bill Due Day — My Portfoly then reminds you a few days before each bill is due so you never pay interest.

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.

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.

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.

Two ways to bring family in. Family tab: add members (spouse, kids, parents) with their income, expenses, insurance and investments — no account needed, great for dependants. Family Group (Settings → Family): create a group and invite another myPortfoly user by email. They must accept the invite from their own account before anything is shared — nobody is added without consent — after which you can see combined net worth and shared goals.