All features
Every tool you need.
Nothing you don't.

One subscription covers everything — portfolio tracking, AI coaching, calculators, screener, watchlist, and more.

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India investment portfolio

Upload your NSDL statement for equities, SGBs, bonds, NPS and demat holdings. Upload CAMS or KFintech for complete MF folio history and XIRR calculation.

  • XIRR calculated from full transaction history
  • TER leakage vs direct plans with tax-aware switch analysis
  • SGBs, corporate bonds, G-Secs, NPS all captured
  • Two-step guided connect — CAMS first, NSDL second
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US investment portfolio

Connect your US brokerage accounts securely. Holdings auto-load with XIRR computed from inception.

  • Supports Schwab, Vanguard, Fidelity, E*Trade, Morgan Stanley and more
  • Cross-account summary in USD and INR at live exchange rate
  • XIRR on combined US and India portfolio
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Net worth and portfolio summary

See your complete financial picture — India, US, real estate, gold, and other assets minus liabilities — in one number.

  • INR/USD toggle with live exchange rate
  • Add real estate, gold, FDs, business interests manually
  • Add liabilities — home loan, car loan, credit card outstanding
  • AI coach insights on your overall portfolio
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AI stock screener

Search any stock by name or ticker. Or ask in plain English and get instant results with full fundamentals.

  • Live prices for US and Indian stocks
  • 8 fundamental metrics: P/E, P/FCF, ROE, operating margin, revenue growth, 52-week range
  • 30-day price sparkline on every stock
  • AI search with rationale — know why each stock was surfaced
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Watchlist and price alerts

Add any stock to your watchlist. Set price alerts and get notified the moment it hits your target.

  • No limit on watchlist size
  • Above and below price alerts per stock
  • Email and push notification delivery
  • Daily digest of watchlist performance
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Rent vs buy calculator

The most comprehensive rent vs buy analysis — with stamp duty, renovation costs, and AI deep-dive scenarios.

  • Down payment 0-100% with full amortisation model
  • Stamp duty and renovation in acquisition cost
  • AI insights: down payment optimisation, price sensitivity, break-even horizon
  • PDF report with branded output
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XIRR calculator

Calculate true annualised returns on any investment with full transaction history. More accurate than CAGR for SIPs.

  • Multi-account combined XIRR
  • CSV upload for bulk transactions
  • Handles SIPs, lump sums, partial withdrawals

FI calculator

Calculate your financial independence number — how much you need and how many years away you are.

  • FIRE number by safe withdrawal rate
  • INR/USD toggle with inflation adjustment
  • Age-adjusted expense modelling
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Budget planner

Track income vs expenses. Know your savings rate and how much you can invest each month.

  • Income and expense categories
  • Savings rate and guilt-free spending calculation
  • Monthly and annual view
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Real estate calculators

RE XIRR and RE vs equity comparison — with rental income, appreciation, and mortgage modelling for Indian real estate.

  • Levered and unlevered XIRR
  • Refinancing event support
  • RE vs equity comparison over any horizon

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Dhan-X is a financial planning and analysis tool for informational and educational purposes only. It does not constitute investment advice, tax advice, or a solicitation to buy or sell any security. Please consult a qualified financial adviser before making investment decisions.