Retirement, home, education — all tracked in one view
|
Real net worth data powers every progress bar
|
SIP XIRR calculated automatically
Financial Goal System

Stop Saving Randomly.
Start Saving for Something.

Set specific financial goals — retirement, home, child's education, emergency fund — and Portivo tracks your progress against each one automatically, using your real net worth data.

Set My Goals → Back to Dashboard
app.portivoai.com/goals
Your Goals — Progress Overview
Home Down Payment
₹8.2L / ₹25L
On track · 2028
Child's Education
₹12.4L / ₹50L
On track · 2034
Emergency Fund
₹2.4L / ₹3.6L
4.0 months covered
Monthly target
₹25,000
·
Invested this month
₹18,400
·
Remaining
₹6,600 left

Every goal.
Real progress bars.

Create goals: Retirement corpus of ₹5Cr by 2045. Child's education fund ₹50L by 2034. Emergency fund 6 months expenses. Portivo tracks each with real progress bars updated from your actual portfolio.

  • Set any goal with target amount and year
  • Progress auto-updated from your real net worth
  • On-track / at-risk status for each goal
  • Required monthly investment to stay on track
  • Portivo alerts if a goal falls behind schedule
Your Goals
🏠
Home Down Payment
Target: ₹25L · Deadline: 2028
On Track
₹8.2L saved 33%
Need ₹12,400/mo to reach by Jan 2028
🎓
Child's Education Fund
Target: ₹50L · Deadline: 2034
On Track
₹12.4L saved 24.8%
Need ₹8,200/mo to reach by Jun 2034
🏖️
Retirement Corpus
Target: ₹5Cr · Deadline: 2045
Needs Boost
₹38.4L saved 7.7%
Need ₹28,000/mo — currently investing ₹18,400
Monthly Investment Budget — June 2026
73%
Monthly target ₹25,000
Invested so far ₹18,400
Remaining budget ₹6,600
Days left in month 15 days
Budget alert — upcoming trade
You're about to buy TRENT at ₹6,100 (₹9,150 at 1.5 lot) — this would exceed your June budget. Reduce quantity or wait until July 1.

Set a budget.
Portivo enforces it.

Set a monthly investment budget. Portivo flags if you're under-investing — or if a trade would break your savings rate and push a goal off track. No accidental overspending.

  • Monthly investment target set by you
  • Real-time budget remaining display
  • Trade blocked if it would break monthly budget
  • Under-investment alert at month-end
  • Annual savings rate report

All your SIPs.
With real XIRR.

Track all your SIPs in one place with XIRR. See which SIPs are performing and which are dragging your wealth — then make informed decisions about where to increase or stop your investments.

  • All SIPs across all AMCs in one view
  • XIRR calculated automatically
  • Total invested vs current value per SIP
  • Performance vs benchmark (Nifty 50 / category avg)
  • One-click stop/pause recommendation for underperformers
Your SIPs — Live XIRR
Mirae Asset Large Cap
₹5,000/mo · 24 months · ₹1.2L invested
14.2%
Parag Parikh Flexi Cap
₹8,000/mo · 18 months · ₹1.44L invested
16.8%
Axis Bluechip Fund
₹3,000/mo · 36 months · ₹1.08L invested
7.4%
⚠️
HDFC Mid-Cap Opp.
₹5,000/mo · 12 months · ₹60,000 invested
22.1%
Blended portfolio XIRR 15.2%
Emergency Fund Monitor
Emergency Fund Status
₹2,40,000 saved ₹3,60,000 target (6 months)
Monthly expense estimate ₹60,000
Months covered 4.0 months
Target coverage 6 months
Shortfall ₹1,20,000
Status ⚠️ Below target

Below 6 months?
Portivo flags it instantly.

Portivo calculates your monthly expenses from your transaction patterns and flags if your emergency fund drops below 6 months coverage — so you always know your financial safety net status.

  • Monthly expense auto-estimated from transaction data
  • Tracks liquid savings against 6-month target
  • Alert if emergency fund drops below threshold
  • Suggests how much to top up and in which account
Advanced

Your family's goals.
One dashboard.

Manage goals for up to 3 family members under one account. Spouse's portfolio, child's education fund, parent's medical corpus — all tracked together so you see the full family financial picture.

  • Up to 3 family member portfolios
  • Separate goals per member (education, medical, retirement)
  • Consolidated family net worth view
  • Per-member goal tracking and progress bars
  • Combined tax liability view across family
Family Portfolio — 3 Members
👨
Nikhil (You)
Portfolio: ₹28.4L · Goals: 4
₹28.4L
👩
Spouse
Portfolio: ₹14.2L · Goals: 2
₹14.2L
👴
Parent
Medical corpus: ₹8.0L · Goal: 1
₹8.0L
Family total net worth ₹50.6L
CA / Advisor Access — Read Only
🏛️
CA Ramesh Kumar
Read-only access · Can't modify anything
Active
CA can see
Full portfolio & holdings
Goals & progress
Realised P&L for tax filing
Capital gains report
CA cannot
Add or remove assets
Modify goals or rules
Execute trades or instructions
Advanced

Share with your CA.
They see everything. Touch nothing.

Share read-only access with your CA or financial advisor. They see your portfolio, goals, and capital gains data — but can't modify anything. Perfect for tax season and financial reviews.

  • Invite CA with a secure read-only link
  • Full P&L and capital gains visible to advisor
  • Zero modification permissions — view only
  • Access can be revoked anytime instantly
  • Audit log of every CA access session

Every rupee you save
deserves a purpose.

Goals & Budget included in Pro and Advanced plans. Free 14-day trial.

Set My Goals →
No credit card required  ·  Cancel anytime  ·  AES-256 Encrypted

Simple. Honest. Affordable.

Cancel anytime.

Starter
₹0
/month
Most Popular
Pro
₹299
/month
Advanced
₹599
/month