Start here
You do not need to understand every finance term or complete every field on day one. SwayamDhan's public site describes the product as a way to bring investments, property, gold, retirement savings, insurance and loans into one financial picture, then understand what needs attention.
- Start anonymously or with sample data. No sign-up, PAN or phone number is required for anonymous use. Start with approximate amounts if that is easier.
- Add a few things you own and owe. Use the input method that feels most familiar: type, paste, spreadsheet or CAS.
- Review Portfolio and Insights. First understand the picture; then improve missing details and use planning features as they become useful.
Getting started
/start and the public landing experience should reassure a new user that they can explore before committing personal information.
What SwayamDhan is
SwayamDhan is a private financial-awareness and planning tool for bringing a household's assets, liabilities and ownership into one place. Its public site positions the product as more than a net-worth tracker: the goal is to understand the picture, identify what deserves review, explore trade-offs and track decisions over time.
A good first session
- Explore sample data if you are unsure. Learn the screens without entering your own numbers.
- Use anonymous mode if privacy is your priority. Your financial records stay in the browser in local-only mode.
- Enter approximate values first. Add detail only when it helps the decision you are trying to make.
Privacy and trust
Privacy should be explained at the moment a user is deciding whether to enter, upload or send financial information - not only inside a legal page.
| Action | What leaves your browser? | Plain-English explanation |
|---|---|---|
| Anonymous / local mode | Portfolio records do not leave the browser. | The current Privacy Policy says family details, holdings and entered numbers remain in browser storage and are not sent to SwayamDhan's servers. |
| Upload a CAS PDF | The CAS file and, if required, its password are sent to SwayamDhan's backend only after you choose the CAS upload. | The current policy says the backend reads the PDF directly, does not send it to AI, does not log/store the password, and does not add extracted holdings until you review and confirm them. |
| Use Insights / Ask | Your question and relevant financial context needed for the answer may leave the browser. | The screen explicitly warns before submission. The current Privacy Policy says account-mode Ask sends the question and a portfolio summary to Anthropic's Claude API for that answer, while folio numbers are excluded. |
| Create an account | The data you choose to store in the account is stored by the service. | An account can make your information available across devices. The policy says users can export their data and permanently delete the account and associated financial records. |
Insights
/overview is now the main financial decision-assistant screen. It combines “what deserves attention” with a place to ask a question about your money.
How to use this screen
- Read the privacy banner first. In anonymous mode, records stay in the browser except when you explicitly use an upload or AI action.
- Choose your financial context. Use my financial picture lets the question use relevant recorded categories. Scenario only is for a hypothetical question without relying on your recorded portfolio.
- Ask a complete question. The prompt box works best when the question contains the decision or trade-off you are considering.
- Use the suggested questions if you are unsure where to start. Examples on the current screen include retirement timing, loan repayment versus investing, and monthly spending.
- Review “What deserves attention”. Each card explains an issue such as incomplete data, concentration or missing loan information. Use View evidence to understand the basis, or Ask about this to continue the topic.
Portfolio
/portfolio is the main numerical summary of your financial picture. The updated screen is denser than the earlier version, so the help text should tell a beginner what to look at first.
Read it in this order
- Start with Net worth. Net worth is recorded assets minus recorded liabilities. The “based on financial records” note reminds you that the result is only as complete as the information entered.
- Check Gross assets, Liquid funds and Liabilities. These separate the size of the asset base, the portion that is relatively accessible, and what you owe.
- Look at Records. A “need review” count is a data-quality signal. Fixing those items can be more important than studying the charts.
- Review Asset allocation. The current screen lets you view allocation by asset class, product or owner.
- Review Concentration snapshot. This highlights areas such as property exposure, direct-stock concentration, record freshness and recorded liabilities.
- Check Top holdings and Suggested next steps. These show what contributes most to the portfolio and what SwayamDhan thinks deserves review next.
Asset Explorer
Asset Explorer is the record-level view behind Portfolio. Use it to find an item, inspect why a number looks wrong, update details, or focus on a specific type of record.
Typical tasks
- Choose a category or tab. Narrow the list to the type of record you want to review.
- Search or filter. Use owner, asset class, product, source or freshness where available.
- Open the record. Inspect the latest value, source and missing information, then edit only what you know.
Add or import records
This remains the area most likely to lose a beginner. The user should first choose the input method that matches what they already have, then review what SwayamDhan understood before confirming it.
Choose the easiest path
| Method | Use it when | What to expect |
|---|---|---|
| + Add record / type | You are entering one item | Start with the basic information you know; add detail later instead of guessing. |
| Paste rows | You already have a table | Paste data from a spreadsheet and review how each row was interpreted. |
| Import spreadsheet | You maintain several records in Excel | Bring in multiple items and review validation or missing fields before confirming. |
| CAS PDF | You want to extract mutual-fund holdings from a CAMS/KFintech statement | Upload the CAS, provide a password only if required, then review extracted holdings before adding them. |
If SwayamDhan cannot find every detail
- Check what was understood. Correct anything that is clearly wrong.
- Add what you know. Fill useful fields such as value, date or owner where available.
- Leave genuinely unknown optional fields blank. Do not invent a value simply to complete the form.
- Use review flags later. A usable first portfolio is more important than perfect data entry on the first day.
Plan
/plan is part of SwayamDhan's planning layer. The current public positioning says planning covers retirement as well as taxes, commitments, maturities and payouts.
What a beginner should understand
- A projection is an estimate based on the assumptions and records available.
- The purpose is to compare where you may be heading with what you may need, not to promise an outcome.
- Before relying on a result, review missing or stale portfolio information and the assumptions used.
Timeline
/timeline is the time-based view of the financial picture. SwayamDhan's public sample describes upcoming commitments such as SIPs, EMI and insurance, and the product positioning also refers to maturities, payouts and tracking progress over time.
How to think about Timeline
Use a timeline to answer “what financial event is coming up, when is it due, and does anything need attention before then?” That can include recurring commitments, maturities, payouts or other dated financial events.
Learn
/learn is the education layer. SwayamDhan's public site describes this as source-attributed learning relevant to the user's financial picture.
For new-to-finance users
Use Learn to explain the term or concept before asking the user to act. Wherever possible, link learning back to the number or issue that triggered it - for example, explain “concentration” from a concentration finding rather than expecting the user to know the term in advance.
Account, backup and deletion
/account is where users should be able to understand whether they are anonymous/local or signed in, and how to export or remove their information.
- Anonymous/local mode: the current Privacy Policy says the data never left the browser; clearing it from local settings or browser site data removes it.
- Backup/export: the current anonymous Insights screen visibly offers a Download backup action, and the Privacy Policy says users can export a full copy of their data.
- Account deletion: the current policy says Account → Delete account permanently removes household, member, portfolio, holding, plan and Ask history after confirmation.
Finance terms in plain English
A beginner should not need to leave the product to understand a label. These definitions can also be reused behind the small information icons.
What the Help button should show first
Do not make a new user read product definition, privacy, importing and legal disclaimers in one block. Open Help with choices based on what they are trying to do.
How can we help?
New to SwayamDhan? Build your first financial picture in 3 steps.
Is my financial data private? See exactly what stays in your browser and what is transmitted only when you choose an upload or AI action.
Add my money - Choose type, paste, Excel or CAS and see an example before continuing.
Understand Portfolio - Net worth, asset allocation, concentration, liquidity and records needing review.
Use Insights - Understand attention cards, evidence and how to ask a financial question.
Plan and Timeline - Understand projections, commitments and future events.
Finance terms explained - Plain-English definitions for unfamiliar words.
Watch the walkthrough - Add the YouTube tutorial here when ready.
Production coverage status
| Route | Status in this draft | Next action |
|---|---|---|
| /overview | Current screenshot supplied | Documented as Insights. |
| /portfolio | Current screenshot supplied | Updated for the new dashboard. |
| /start | Current public copy verified; current dynamic screen not captured | Optional new screenshot. |
| /plan | Purpose verified from public product copy | Current screenshot/recording needed for exact controls. |
| /timeline | Purpose verified from public product copy | Current screenshot/recording needed for exact controls. |
| /learn | Purpose verified from public product copy | Current screenshot/recording needed for exact controls. |
| /account | Export/deletion behaviour verified from current Privacy Policy | Current anonymous + signed-in screenshots recommended. |