Track. Plan. Retire

PortAct

Your entire financial life in one place — and entirely on your own machine.

PortAct is a privacy-first personal finance platform that tracks 40+ asset types across Indian and global markets. Auto-import bank and broker statements, watch live prices, XIRR, and daily change update in real time, and plan your path to financial independence with a full year-by-year FIRE engine plus an AI financial planner that turns your goals into specific, fund-level investment recommendations. Then carry it all in your pocket with the PortAct Mobile companion — no cloud accounts, no data sharing, you own every byte.

Web & Desktop Android companion 40+ asset types Runs locally

See PortAct Mobile

Why PortAct

A complete financial picture, without surrendering your data.

Most portfolio trackers ask you to hand sensitive financial data to a third party. PortAct is different: everything lives in a local database on your own machine. No sign-ups, no shared API keys, no cloud dependency.

Complete data ownership — all data stays in a local database you control.
One view of everything — equities, MFs, crypto, real estate, deposits, gold, and more.
Statements do the typing — upload PDFs and exports; PortAct extracts the transactions.
Always current — automated price updates, day-change tracking, and EOD snapshots.
Retire with Confidence — a full FIRE engine answers "when can I stop working?"
Advice, not just numbers — an AI planner recommends an allocation and specific funds to reach each goal.

How it works

Up and running in minutes — on any OS.

Install locally

One command on Mac, Linux, or Windows — or a single Docker container. Everything runs on your machine.

Add your holdings

Enter assets manually or upload bank statements, broker holdings, and CAS files to import automatically.

Watch it update

Live prices refresh every 30 minutes, with day-change %, XIRR, and daily EOD snapshots captured for you.

Plan ahead

Use the Financial Freedom engine, the AI Robo Advisor, and Insights to project, get goal-based fund recommendations, and optimize your path to FIRE.

AI Financial Planner

Not just tracking — a plan to reach your goals.

PortAct's Robo Advisor turns your complete financial picture into a personalized, goal-based plan — what to invest, where, and how much each month to actually get there. It follows the SEBI Registered Investment Adviser framework: suitability-first, with a clear rationale and risk disclosure on every recommendation.

Set your goals. Get a plan built around them.

Tell PortAct about yourself once — age, income, expenses, risk appetite, tax slab, and the goals that matter (a child's education, a home, early retirement). The Robo Advisor assembles a full financial snapshot and asks the AI provider of your choice — OpenAI, Gemini, Claude, Grok, DeepSeek, or Mistral — to generate a plan tailored to you. Review and edit the exact prompt before anything is sent, or paste a response from any external AI. Every plan is versioned and saved to your history.

Goal-based Bring your own AI key Rationale + risk disclosure Runs locally

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Goal-based SIPs

For every goal, PortAct computes the monthly SIP needed, projects the corpus you'll reach, flags any shortfall or surplus, and recommends a specific fund — so each goal lands on time.

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Recommended allocation

See your current equity / debt / gold / cash mix against an allocation matched to your age and loss tolerance, with concrete rebalancing actions and the reasoning behind each move.

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Fund-level advice

Specific SEBI-registered funds for both goal and wealth-building SIPs — each with a plain "why this fund for you" and an honest risk disclosure. No generic tips.

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Financial health score

A 0–100 score, graded A–D, across savings rate, emergency fund, allocation, insurance, debt burden, goal progress, and tax efficiency — so you know exactly what to fix first.

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Tax-aware & conflict-free

Recommendations factor in your tax slab and 80C / 80D / NPS headroom, cite why they suit you, and stick to SEBI-regulated products — no commissions, no hidden products.

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Private by default

The plan is generated with your own AI key and stored in your local database. Your financial data never passes through DSQUARE servers — there are none.

PortAct's planner produces AI-generated guidance for your own research and education — it is not regulated investment advice, and DSQUARE APPS is not a registered investment adviser. Always verify recommendations and consider consulting a SEBI-registered adviser before investing.

Asset Quality

Know how good each holding really is.

PortAct's Asset Quality engine puts your AI provider to work as a research analyst — scoring every stock and mutual fund you own from 1 to 10, with the reasoning to back it up.

A single score, built from deep analysis.

Point PortAct at a holding and it runs a long-term, fundamentals-first review, then assigns a 1–10 quality rating you can sort your whole portfolio by. Scores are cached and re-run on demand — and, like everything in PortAct, the analysis runs through your own AI key.

Stocks (NSE/BSE & US) — competitive moat, financial health, valuation, growth, and management, weighed into one score.
Mutual funds — rolling returns vs benchmark, Sharpe & alpha, portfolio construction, expense ratio, and fund-manager record.
3Y / 5Y / 10Y verdicts — a clear Buy / Hold / Sell call for each horizon, each with the thesis behind it.
Peers & best-in-class — five direct peers ranked, the best-in-class name called out, and who the asset actually suits.

Quality scores are AI-generated research aids — not buy/sell advice, and not a guarantee of returns. Always do your own due diligence before investing.

Features

Built to cover your whole financial life.

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40+ Asset Types

Stocks, US stocks, ESOPs/RSUs, mutual funds, gold, crypto, FDs, PPF/EPF/NPS, bonds, real estate, and more.

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Smart Statement Processing

Auto-parse bank PDFs (ICICI, HDFC, SBI, Axis, Kotak, IDFC), broker holdings, tradebooks, and NSDL/CDSL CAS.

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Automated Price Updates

NSE/BSE prices, AMFI NAVs, crypto, MCX commodities, and live USD-to-INR — refreshed every 30 minutes.

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Portfolio Dashboard

Total valuation, gain/loss, day-change tracking, allocation pies, top/bottom performers, and XIRR.

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EOD Snapshots

Daily portfolio snapshots power full historical performance across 7d, 30d, 90d, 6m, and 1y views.

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Financial Freedom (FIRE)

Lean/Regular/Fat/Coast FIRE targets, year-by-year projections, withdrawal simulators, and tax rules.

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AI Financial Planner

A goal-based robo-advisor that recommends an asset allocation and specific funds to reach each goal — with rationale, tax awareness, and risk disclosures.

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AI Asset Quality

A 1–10 quality score for every stock and mutual fund — fundamentals, valuation, risk, peers, and 3Y/5Y/10Y Buy/Hold/Sell verdicts.

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Income & Investment Tracking

20 income categories and SIP/lumpsum/recurring investments, auto-synced from your statements.

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Expense Tracking

Auto-extract and AI-categorize expenses from bank and credit-card statements, with trend dashboards.

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Insights & The Predictor

Asset, attribute, and maturity insights, a live macro market dashboard, and a 0–100 market-regime detector.

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SIP / STP / SWP Utilities

Set up systematic investment, transfer, and withdrawal plans, plus retroactive SIP generation with NAV pricing.

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Multi-Portfolio Support

Separate portfolios for self, spouse, retirement, or children — with full export/import and backup.

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AI News & Market Updates

Twice-daily AI market analysis filtered to what's actually relevant to your portfolio, severity-tagged.

Companion app

PortAct Mobile

A read-only companion that puts your whole portfolio in your pocket. Import a PortAct backup and get a live, beautifully visualized view — it never modifies your data.

Your portfolio, beautifully visualized on the go.

PortAct Mobile imports your PortAct backup (from Google Drive or a file) and overlays live prices on top — net worth at a glance, allocation donuts, portfolio-growth charts, per-holding XIRR, expense trends, and a real-time market-insights tab with sentiment gauges. It works offline after the first import, needs no account, and your data never leaves the device.

Android (Expo / React Native) Read-only Live prices Works offline

Note: PortAct Mobile is a companion viewer — it requires a PortAct backup export to function.

A look inside

Screenshots

Drop final screenshots into images/portact/ — they'll appear here automatically.

Statement upload — Smart statement processing & import

Financial Freedom planner — FIRE planner — year-by-year projections

AI Financial Planner — goal-based recommendations

Asset Quality scores — Asset Quality — AI quality scores for stocks & funds

Insights and The Predictor — Market Insight & The Predictor