UseMoney AI

This portfolio research platform is built for Indian retail investors who want answers based on what they actually own. It connects read-only to supported broker accounts, brings holdings and trade history together, and lets you ask plain-English questions about portfolio performance, concentration, stock ideas, and long-term financial goals.

It is designed for investors who split money across multiple brokers, maintain portfolio records in spreadsheets, or want a clearer view of returns and exposure. Beyond portfolio tracking, it combines stock and mutual fund research, rule-based strategy testing, Indian FIRE planning, and capital gains reporting in one research-focused workspace.

Key Features

AI Chat on Your Portfolio

Ask questions about your investments using your actual portfolio data as context.

• Ask about XIRR and portfolio performance
• Analyze sector exposure and concentration
• Identify winners and losers
• Ask questions about individual stocks
• Compare portfolio performance with the NIFTY
• Explore portfolio data using plain English

Instead of receiving generic market commentary, the AI can answer questions in the context of the holdings and transactions that make up your portfolio.

Multi-Broker Portfolio Sync

Bring investments and trading activity from supported brokers into one view.

• Connect broker accounts in read-only mode
• Reconcile holdings across supported brokers
• Unify positions
• Combine trade history
• View your investments across multiple brokers

This is useful for investors who maintain accounts with more than one broker and want a consolidated picture without manually maintaining separate records.

Stock & Mutual Fund Research

Research investment ideas alongside your existing portfolio.

• Stock discovery
• Mutual fund discovery
• Live charting
• Plain-English research questions
• Follow-up questions for deeper analysis

The research workflow lets you move from a portfolio question to investigating a stock or mutual fund without switching between separate tools.

No-Code Strategy Builder

Create and test rule-based investment strategies without writing code.

• Build strategies using rules
• Test strategies against historical data
• Run historical backtests
• Use walk-forward analysis
• Explore systematic investment ideas without coding

This makes the platform useful for investors who want to move beyond discretionary research and evaluate repeatable strategies against historical market behavior.

INR FIRE Planner

Plan financial independence and retirement using assumptions relevant to Indian investors.

• Model retirement timing
• Plan long-term financial goals in INR
• Account for STCG
• Account for LTCG
• Include PPF assumptions
• Include EPF assumptions

The planner is designed around the realities of building and drawing down wealth in India rather than applying a generic international retirement model.

ITR Capital Gains Reports

Prepare portfolio information for tax filing.

• Generate capital gains reports
• Export reports for ITR filing
• Organize investment-related tax information
• Use transaction data from the connected portfolio

This can make filing-season preparation easier for investors who have transactions spread across multiple investments or brokers.

Built For Indian Retail Investors

The platform is particularly suited to investors who want a deeper understanding of their own portfolio rather than simply following market headlines.

It fits:

• Multi-broker investors
• Long-term equity investors
• Active stock researchers
• Mutual fund investors
• Spreadsheet-based portfolio trackers
• Strategy-focused investors
• FIRE planners
• Investors preparing capital gains reports

Common Use Cases

Understand your portfolio: Ask questions about XIRR, sector exposure, concentration, winners, losers, and individual holdings.

Consolidate multiple brokers: Bring holdings, positions, and trade history from supported brokers into one read-only portfolio view.

Research a stock you own: Start with a question about an existing holding and continue into deeper stock research using plain-English follow-ups.

Compare portfolio performance: Understand how your portfolio is performing relative to benchmarks such as the NIFTY.

Test an investment strategy: Build a rule-based strategy without code and evaluate it using historical backtesting and walk-forward analysis.

Plan for FIRE: Model retirement timing and long-term financial goals using Indian assumptions around INR, STCG, LTCG, PPF, and EPF.

Prepare for tax filing: Export capital gains information for ITR preparation.

Read-Only by Design

The platform is focused on research and analysis rather than trade execution. Broker connections are read-only, meaning it does not place, modify, or cancel orders.

That separation keeps the workflow centered on understanding your investments, testing ideas, and planning your finances without turning the research platform into a trading interface.

Pricing

A free tier provides monthly credits for getting started. Deeper research and advanced portfolio functionality use credits or paid plans, depending on the level of analysis required.

Why It Matters

Portfolio analysis is more useful when it reflects the investments you actually hold. Generic market commentary can tell you what is happening in a stock or index, but it does not necessarily tell you how those movements affect your concentration, returns, tax position, or long-term plans.

This platform connects those pieces. Your portfolio data becomes the starting point for AI questions, research, strategy testing, FIRE planning, and capital gains reporting.

The result is a research workflow built around your money, your holdings, and your goals, rather than a generic investment dashboard.

Research Your Portfolio in One Place

Connect supported brokers in read-only mode, ask questions about what you own, research new ideas, test strategies, and plan long-term goals in INR. Bring portfolio analysis, Indian investment research, FIRE planning, and tax reporting into one workspace built for retail investors.