Portfolio intelligence

The pain point

For years, investors used the portfolio tracker inside apps like ET Money (ET Portfolio) to see all their mutual-fund SIPs in one consolidated view. When it was wound down, a real gap opened up, and the comparable apps that remained were mobile-only, with no dependable web dashboard for a household tracking SIPs across several family members.

People fell back to spreadsheets and manual statement imports, re-keyed every month and never quite trusted. What was missing was a set-once, glance-anytime view that didn't depend on fragile broker or account-aggregator logins.

“I just want one honest, set-and-forget view of every SIP across the family, without re-keying statements every month.”

Our approach

We made a deliberate architectural bet: model-based, not actuals. Rather than scrape brokers or integrate PANs (fragile, and a privacy liability), SIPwatch takes a single public input, AMFI's daily NAV feed, and computes everything from the SIP plans you declare. No broker, RTA, or PAN login, ever.

Then a disciplined product loop: ship the smallest reliable slice on the web first (where the incumbents weren't), validate it, and layer on analysis and accounts from there.

What we built

We designed and built the product end to end:

• Model-based accrual engine: a pure-TypeScript core that turns declared SIP plans into units, value, and P&L from public NAV prices alone, with historical back-fill so years-old SIPs price correctly.
• Consolidated portfolio view: groups holdings per family member (the “multiple PANs” use case) with per-group and grand-total net worth, money-weighted XIRR, and today's change.
• Invested-vs-net-worth history: a net-worth-over-time chart that plots money invested against actual value across ranges from 1W to All, separating contributions from market movement.
• Web dashboard: Vite + React + TanStack Query: SIP and lumpsum entry, per-installment overrides, and a watchlist.

Results

The outcome

What was a monthly spreadsheet chore is now a set-once, glance-anytime dashboard: a consolidated, trustworthy view of every SIP across the family, with no account to link. SIPwatch is now live at sipwatch.in.