AdvisoryOS · Beta

Your money, finally
making sense.

Financial clarity for every Indian investor — calculators, education, and guided thinking. Free to use.

What are you thinking about?
🏡
Retirement
Corpus, timeline, scenarios
📊
Debt & EMI
Loans, prepayment, cash flow
🎯
Goal planning
House, education, travel
💹
ESOP / RSU
Vesting, tax, exit strategy
🌐
Global investing
LRS rules, NRI, foreign assets
🏥
Medical emergency
Funding, insurance, recovery
📋 Compare instruments
🏛 Alternatives
📡 Macro signals
🎮 Stress test
💰 Loan optimiser
👩 Women & MWPA
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See sample report
Financial education tool — Calculations are illustrative based on your inputs and are not personalised investment advice.
Instruments Alts Macro

Retirement Analysis

Bear, base & bull scenarios · Inflation-adjusted · Multi-currency

Outputs below are educational calculations based on numbers you entered. They are not personalised investment advice. Please discuss decisions with a SEBI-registered adviser.
Your situation
Adjust any value — updates instantly
Accepts 80K, 1.2L, 1.2 lacs, or exact
Projected corpus vs required (base scenario)
Recommended actions
Want to go deeper on your retirement picture?
These calculations show the framework. A qualified adviser helps you work through your actual holdings, tax situation, and build a plan specific to you.
What a full review covers
  • Personalised corpus review with your actual holdings
  • RSU / ESOP exit planning if applicable
  • Tax-efficient allocation strategy
  • Ongoing monitoring and rebalancing guidance
Leave your details and we will be in touch within 24 hours

No payment required · Free to connect · SEBI-compliant advisory coming soon

Medical Emergency — Funding Plan

Calm, prioritised options · Funding waterfall

We understand this is a difficult time. This analysis helps you see options clearly so you can make calm, informed decisions.
The situation
Funding waterfall
Prioritised steps
Want help structuring your financial recovery?
Once the immediate situation is managed, a proper insurance and emergency fund review makes a lasting difference.
What a full review covers
  • Full insurance gap analysis (life, health, critical illness)
  • Emergency fund rebuild strategy
  • Portfolio impact and recovery plan
Leave your details and we will be in touch within 24 hours

No payment required · Free to connect · SEBI-compliant advisory coming soon

Debt & Cash Flow Analysis

Repay vs invest · EMI stress test · Prioritised actions

Outputs below are educational calculations based on numbers you entered. They are not personalised investment advice. Please discuss decisions with a SEBI-registered adviser.
Your financial picture
Your loans
Monthly income breakdown
Prioritised actions
Need a deeper loan analysis?
Model up to 3 loans simultaneously — prepay vs invest comparison, tax-adjusted rates, full amortisation schedules.
Want a complete debt and investment strategy?
The numbers above show your current position. Turning that into an exact prepayment schedule and investment plan takes a proper review.
What a full review covers
  • Loan-by-loan prepayment prioritisation
  • Refinancing opportunity check
  • Investment plan working alongside your EMIs
  • 5-year cash flow projection
Leave your details and we will be in touch within 24 hours

No payment required · Free to connect · SEBI-compliant advisory coming soon

House View — Market Signals

4 signals priced by people with real money on the line

From our fund manager desk: We've stopped reading Gulf war headlines. Here's what we track instead — signals that don't lie because they're priced by people with real money at stake.
Signal 1
Ship insurance through Hormuz
3.5–10%vs 0.25% before
Crisis level
Signal 2
Ships crossing Hormuz / day
8vs 100+ before
92% collapse
Signal 3
Paper vs physical oil spread
$14Brent $112, Dubai $126
Watch closely
Signal 4
Supply gap (now vs post-April)
5 mb/d→ 10 mb/d if expires
Cliff approaching
Select a signal above for detail
Click any card.
The mid-April cliff — overlapping expiries
~Apr 15: 400M barrel SPR release runs dry. Key stopgap disappears.
Apr: US waiver allowing India to buy Russian crude expires.
Apr 1: Formosa Plastics has declared force majeure.
If Hormuz stays shut: BCA Research estimates supply gap doubles to 10 mb/d — largest crude disruption ever.
India's exposure: 85% of crude imported. Half normally transits Hormuz. A doubling supply gap hits refiners, fuel prices, and the current account directly.
Source: fund manager field notes · Lloyd's underwriters · AIS ship tracking · BCA Research · WTO Hormuz Trade Tracker
Financial education tool — Calculations are illustrative based on your inputs and are not personalised investment advice.

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What happens next
We review your shared analysis and case summary
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Investment Advisory Agreement

Please read and confirm before proceeding to payment

Investment Advisory Agreement — mywealth.fit

This Agreement is entered into between [YOUR FULL NAME — fill before going live], SEBI Registered Investment Adviser (Registration No. [INA XXXXXXX — fill with your SEBI reg number]), operating as mywealth.fit ("Adviser"), and the client identified below ("Client").

1. Scope of Services. The Adviser will provide investment advisory services as selected by the Client: (a) Light Report — automated financial analysis (₹999, one-time); (b) Full Review + Session — detailed portfolio review and 60-minute advisory session (₹4,999, one-time); (c) Ongoing Advisory — periodic review and monitoring (fees as % of AUA, per separate agreement).

2. Fees. Fees are fixed and payable in advance. No refund after report delivery or session completion. The Adviser does not earn commissions from any product recommended. All fees are exclusive of GST where applicable.

3. Risk Disclosure. Investment in securities is subject to market risk. Past performance is not indicative of future results. The Adviser provides advice based on information provided by the Client — accuracy of inputs is the Client's responsibility. The Adviser does not guarantee returns.

4. Conflict of Interest. The Adviser confirms there is no material conflict of interest in providing the agreed services. Any conflict, if arising, will be disclosed immediately.

5. Client Obligations. Client agrees to provide accurate and complete information. Client acknowledges that advice is based solely on information shared and is responsible for investment decisions made.

6. Confidentiality. All information shared by the Client will be treated as confidential and not shared with third parties except as required by law or regulation.

7. Governing Law. This Agreement is governed by the laws of India. Disputes shall be subject to the jurisdiction of courts in [YOUR CITY — fill before going live]. Grievance redressal: SEBI SCORES portal and BSE IAASB platform.

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Reg. No: [INA XXXXXXX — fill with your SEBI reg number] · PAN: [XXXXXXXXXX]
[Your City, State] · [[email protected]]
INVOICE
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Billed to
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Status: Paid
Description Amount
Investment Advisory Services — Light Report ₹999
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This invoice is issued by [YOUR FULL NAME — fill before going live] trading as mywealth.fit, a SEBI Registered Investment Adviser. This is a computer-generated invoice. Services rendered are investment advisory in nature and do not constitute a guarantee of returns. For queries: [[email protected]]

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