Privacy-First • No Login Required • 100% Free • Real XIRR Calculation
Analyze My Portfolio Now →If you're investing in mutual funds across multiple platforms like Zerodha, Groww, Paytm Money, or directly with AMCs, you're facing a critical problem: you don't know your real returns.
Result: You think you're earning 15% when you're actually earning 8%.
RAYR Fin is India's first privacy-first portfolio intelligence platform that runs entirely in your browser. Upload your Consolidated Account Statement (CAS) and get:
Accurate returns using Newton-Raphson method - not fake CAGR calculations like other apps.
0-100 rating based on 23 factors including diversification, expense ratio, performance, and asset allocation.
Identify funds to sell before March 31 to save up to ₹12,500 in LTCG tax legally.
See 1,000 possible future scenarios for your portfolio over the next 10 years.
Find duplicate holdings across funds - stop paying 2 fund managers for the same stocks.
Your data never leaves your browser. No login, no PAN, no phone number required.
| Feature | RAYR Fin | ET Money | Groww | INDmoney |
|---|---|---|---|---|
| Login Required | ❌ No | ✅ Yes | ✅ Yes | ✅ Yes |
| PAN/Phone Needed | ❌ Never | ✅ Required | ✅ Required | ✅ Required |
| Data Storage | Browser Only | Servers | Servers | Servers |
| Real XIRR Calculation | ✅ Yes | ❌ No (Simple CAGR) | ❌ No | ❌ No |
| Monte Carlo Simulation | ✅ 1,000 scenarios | ❌ No | ❌ No | ❌ No |
| Tax Harvesting | ✅ Yes | ❌ Premium only | ❌ No | ❌ No |
| Cost | Free (Premium ₹149/mo) | ₹999/mo for Pro | Free (basic) | Free (basic) |
XIRR (Extended Internal Rate of Return) is the ONLY accurate way to calculate mutual fund returns when you have:
Scenario: You invested ₹10,000/month SIP for 3 years + ₹2,00,000 lumpsum in Year 2
Simple CAGR shows: 18.5% returns (looks amazing!)
Real XIRR shows: 11.2% returns (reality check)
Difference: You're overestimating returns by 7.3%!
Yes! Core features (Dashboard, XIRR, Health Score, Tax Harvesting, Monte Carlo) are 100% free forever. Premium features like Step-Up SIP calculator and Fund Overlap analyzer cost ₹149/month with a 7-day free trial.
No! RAYR Fin works without any login. Just upload your CAS and start analyzing.
Absolutely. RAYR Fin runs entirely in your browser. Your portfolio data never touches our servers. It's stored in your browser's localStorage and is deleted when you clear browser data.
RAYR Fin supports PDF and Excel CAS from CAMS, NSDL, Kfintech, and AIS (Annual Information Statement from Income Tax portal).
Yes! RAYR Fin supports mutual funds, stocks, bonds, FDs, gold, PPF, NPS, ETFs, real estate, and crypto. Upload AIS (Annual Information Statement) for automatic detection.
RAYR Fin uses the Newton-Raphson numerical method with 500 iterations - the same method used by Excel's XIRR function. It's accurate to 8 decimal places.
Stop guessing your returns. Get accurate XIRR, health score, and tax-saving opportunities in 3 seconds.
No login required • No PAN needed • 100% privacy-first