MFTracker - Mutual Fund Portfolio Manager

Managing mutual fund investments shouldn't require expensive advisors or complex spreadsheets. MFTracker is a comprehensive, browser-based platform that brings institutional-grade portfolio analysis tools to individual investors—completely free and privacy-focused.

Why MFTracker?

In today's investment landscape, most investors struggle with:

Scattered information across multiple fund houses
Lack of comprehensive analysis tools
Privacy concerns with cloud-based platforms
Complex calculations for SIP planning and tax optimization
No actionable insights for portfolio improvement

MFTracker solves all these problems by providing a complete suite of tools that work entirely in your browser, ensuring your financial data never leaves your device.

Everything You Need in One Place

MFTracker offers 9 powerful tools to analyze, calculate, and optimize your mutual fund investments:

1. 📊 Portfolio Tracker (Most Popular)

The flagship feature that provides comprehensive SIP portfolio analysis.

Key Features:

Risk Scoring System - Quantitative assessment of your portfolio's risk level
Red-Flag Detection - Identifies 8+ critical portfolio issues
Diversification Metrics - Analyzes sector, market cap, and theme distribution
Multiple Input Methods - CSV, JSON, or OCR support
Real-time Analysis - Instant insights as you add investments

What It Detects:

Overlapping holdings across funds
Sector concentration risks
Market cap imbalances
Theme-based redundancy
High expense ratio funds
Exit load concerns
Lock-in period tracking

Perfect For: Investors with multiple SIPs who want to understand their overall portfolio health.

2. 🤖 AI Portfolio Assistant (New!)

Your personal AI-powered investment advisor, available 24/7.

Capabilities:

Personalized Recommendations - Tailored advice based on your portfolio
Query Resolution - Ask questions about your investments in natural language
Actionable Insights - Specific steps to improve your portfolio
Goal-Based Planning - Align investments with financial objectives
Risk Assessment - Understand your risk tolerance and adjust accordingly

Example Queries:

"Is my portfolio too risky for retirement planning?"
"Which funds should I consider selling?"
"How can I improve my diversification?"
"What's the tax impact of redeeming Fund X?"

Privacy-First: All AI processing happens locally; your data stays on your device.

3. 💰 MF Calculator

Advanced SIP calculator that goes beyond basic projections.

Features:

Step-Up SIP - Calculate returns with annual increment plans
Inflation Adjustment - See real returns after accounting for inflation
Portfolio-Wide Projections - Analyze entire portfolio, not just individual funds
Multiple Scenarios - Compare different investment strategies
Goal Alignment - See if your SIPs will meet your targets

Calculations Include:

Future value projections
Expected returns (with customizable rates)
Total investment vs. returns
Year-by-year breakdowns
Inflation-adjusted corpus

Use Case: Planning for long-term goals like retirement, children's education, or home purchase.

4. 🎯 Goal Planner

Set financial goals and create actionable investment plans.

What You Can Do:

Define Multiple Goals - Retirement, education, vacation, emergency fund
Calculate Required SIP - Determine monthly investment needed
Track Progress - Monitor how close you are to achieving goals
Export Plans - Download detailed plans as CSV for record-keeping
Adjust Strategies - Modify goals and see updated recommendations

Goal Types Supported:

Short-term (1-3 years)
Medium-term (3-7 years)
Long-term (7+ years)
Retirement planning
Education planning
Wealth creation

Output: Detailed CSV reports with month-by-month projections and milestones.

5. 💸 Tax Optimizer

Minimize your tax liability with smart tax planning.

Features:

Tax Implication Analysis - Understand LTCG and STCG for each fund
Tax-Loss Harvesting - Identify opportunities to offset gains
Optimal Redemption Strategy - Minimize tax while meeting cash needs
LTCG/STCG Breakdown - Clear categorization of gains
Holding Period Tracking - Know when funds become long-term

Tax Strategies:

Harvest losses to offset gains
Time redemptions for tax efficiency
Balance LTCG and STCG
Utilize ₹1 lakh LTCG exemption
Plan year-end tax moves

Benefit: Save thousands in taxes through strategic planning.

6. 📋 Income Tax Calculator

Complete tax planning tool with comprehensive income support.

Supports:

All Income Sources - Salary, business, capital gains, other income
Deductions - 80C, 80D, 80E, and more
Family Support - Calculate for self, spouse, dependents
HUF Support - Hindu Undivided Family tax planning
Regime Comparison - Old vs. New tax regime side-by-side

Features:

Detailed tax breakdown
Deduction optimizer
Regime recommendation
Tax-saving suggestions
Export tax reports

Perfect For: Comprehensive annual tax planning and filing preparation.

7. ⚖️ Smart Rebalancer

AI-powered portfolio rebalancing with personalized recommendations.

Risk Profiles:

Conservative - Capital preservation focus
Moderate - Balanced growth and stability
Aggressive - Maximum growth potential
Custom - Define your own allocation

Recommendations Include:

Funds to increase/decrease
Specific rebalancing actions
Expected impact on risk/return
Timeline for rebalancing
Cost considerations (exit loads, taxes)

Rebalancing Triggers:

Significant market movements
Quarterly reviews
Life stage changes
Goal proximity
Risk tolerance shifts

Output: Actionable step-by-step rebalancing plan.

8. 🔍 MF Search & Analysis

Comprehensive mutual fund research and tracking.

Features:

NAV History - Track daily NAV changes
Growth Metrics - Analyze fund performance over time
CAGR Calculations - 1Y, 3Y, 5Y, and since-inception returns
Fund Details - Expense ratio, AUM, fund manager, holdings
Peer Comparison - Compare with category average
Historical Charts - Visual performance tracking

Search Capabilities:

By fund name
By AMC (Asset Management Company)
By category (Equity, Debt, Hybrid)
By theme (Large Cap, Mid Cap, etc.)

Use Case: Research before investing or monitoring existing investments.

9. 🔄 Fund Comparison

Side-by-side comparison of up to 5 mutual funds.

Comparison Metrics:

Returns - 1Y, 3Y, 5Y, 10Y
Risk Metrics - Sharpe Ratio, Sortino Ratio, Standard Deviation
Fund Details - Expense ratio, exit load, minimum investment
Performance - Alpha, Beta, R-squared
Holdings - Top 10 holdings comparison
Sector Allocation - Diversification analysis

Advanced Metrics:

Sharpe Ratio - Risk-adjusted returns
Sortino Ratio - Downside risk assessment
Exit Load - Cost of redemption
Minimum Investment - Entry barriers

Export: Download comparison as CSV for offline analysis.

Key Advantages of MFTracker

🔒 Privacy-First Architecture

Client-Side Processing - All calculations happen in your browser
No Data Upload - Your financial data never leaves your device
No Sign-Up Required - Start using immediately
No Tracking - We don't collect or store your information

⚡ Lightning-Fast Performance

Instant Calculations - Real-time analysis and projections
No Server Delays - Everything runs locally
Offline Capable - Works without internet (after initial load)

📤 Export Everything

PDF Reports - Professional-looking portfolio reports
CSV Downloads - Data for Excel/Google Sheets
Goal Plans - Detailed investment roadmaps
Tax Reports - Ready for filing

🎨 User-Friendly Interface

Clean Design - Intuitive and easy to navigate
Responsive - Works on desktop, tablet, and mobile
Dark Mode - Easy on the eyes
Guided Workflows - Step-by-step processes

How to Get Started with MFTracker

Step 1: Gather Your Data

Collect information about your mutual fund investments:

Fund names
Investment dates
SIP amounts
Current values (optional)

Step 2: Choose Your Tool

Start with the Portfolio Tracker for a comprehensive overview, or jump directly to:

MF Calculator for projections
Goal Planner for financial planning
Tax Optimizer for tax season

Step 3: Input Your Portfolio

Use one of three methods:

Manual Entry - Type in fund details
CSV Upload - Bulk import from spreadsheet
OCR - Scan statements (if available)

Step 4: Analyze Results

Review the insights:

Risk scores and red flags
Diversification metrics
Rebalancing recommendations
Tax implications

Step 5: Take Action

Based on the analysis:

Rebalance your portfolio
Adjust SIP amounts
Plan tax-saving moves
Set new financial goals

Step 6: Export & Monitor

Download reports for records
Set quarterly review reminders
Track progress toward goals
Adjust strategy as needed

Real-World Use Cases

Case 1: The Over-Diversified Investor

Problem: 15 different SIPs with overlapping holdings
Solution: Portfolio Tracker identified 60% overlap
Action: Consolidated to 6 core funds
Result: Simplified management, reduced costs

Case 2: Tax-Inefficient Redemptions

Problem: Needed ₹5 lakhs, unsure which funds to redeem
Solution: Tax Optimizer suggested optimal redemption mix
Action: Redeemed strategically to minimize STCG
Result: Saved ₹30,000 in taxes

Case 3: Goal-Based Planning

Problem: Vague retirement planning
Solution: Goal Planner calculated exact SIP needed
Action: Started targeted SIPs for retirement
Result: Clear roadmap to ₹2 crore corpus

Case 4: Risk Mismatch

Problem: Conservative investor with 80% equity
Solution: Smart Rebalancer suggested moderate allocation
Action: Shifted to 60:40 equity:debt
Result: Better sleep and aligned risk profile

Technical Highlights

Built With Modern Technology

React - Fast, responsive UI
TypeScript - Type-safe code
Tailwind CSS - Beautiful, consistent design
Chart.js - Interactive visualizations
Local Storage - Secure data persistence

Performance Optimized

Code Splitting - Fast initial load
Lazy Loading - Load features on demand
Caching - Instant subsequent visits
Optimized Calculations - Efficient algorithms

Accessibility

Keyboard Navigation - Full keyboard support
Screen Reader Friendly - ARIA labels
High Contrast - Readable for all
Responsive Design - Works on all devices

Limitations & Disclaimers

What MFTracker Is NOT

Not a Performance Tracker - Doesn't show historical returns
Not Financial Advice - Provides analysis, not recommendations
Not a Trading Platform - Can't execute transactions
Not a Replacement for Advisors - Complement, not substitute

Important Considerations

Analysis is hypothetical based on assumptions
Uses broad market/sector data, not detailed fund holdings
Requires accurate input data for reliable results
Browser storage can be cleared (backup exports)
Should be used alongside professional advice

Data Accuracy

NAV data sourced from public APIs
Fund details may have slight delays
User-entered data accuracy is critical
Regular updates recommended

Future Roadmap

Upcoming Features

Automated Portfolio Sync - Connect with fund houses
Alert System - Notifications for rebalancing triggers
Advanced Analytics - Monte Carlo simulations
Social Features - Anonymous portfolio benchmarking
Mobile App - Native iOS/Android apps

Community Requests

Multi-currency support
International funds
Cryptocurrency integration
Advanced charting
Custom risk models

Frequently Asked Questions

Is MFTracker really free?

Yes, completely free with no hidden costs or premium tiers.

How is my data protected?

All processing happens in your browser. We never see or store your data.

Can I use it on mobile?

Yes, the web app is fully responsive and works on all devices.

Do I need to create an account?

No, start using immediately without sign-up.

Can I export my data?

Yes, export to PDF and CSV from all tools.

How accurate are the calculations?

Calculations use standard financial formulas. Accuracy depends on your input data.

Is it suitable for beginners?

Absolutely! The interface is designed for all experience levels.

Can I track stocks or other investments?

Currently focused on mutual funds only.

Conclusion

MFTracker is more than just a portfolio tracker—it's a complete mutual fund management suite that empowers you to:

✅ Understand your portfolio's true health
✅ Make data-driven investment decisions
✅ Optimize for taxes and returns
✅ Plan for financial goals
✅ Maintain privacy and control

Whether you're a seasoned investor with a complex portfolio or a beginner starting your first SIP, MFTracker provides the tools and insights you need to succeed.

Ready to Take Control?

Visit MFTracker and start analyzing your portfolio today—no sign-up required!

About the Developer

MFTracker was created by Sandip Maity, an Electronics and Communication Engineering student passionate about building practical tools that solve real-world problems. Combining technical expertise with a deep understanding of personal finance, this project aims to democratize access to professional-grade investment analysis tools.

Connect:

Portfolio: sandipmaity.me
GitHub: View Source Code
Twitter: @iam_sandipmaity

Disclaimer: MFTracker is a tool for analysis and planning. It does not provide financial advice. Always consult with a qualified financial advisor before making investment decisions. Past performance does not guarantee future results.