Why we built Calsify
Fifteen risk metrics. Six market-crisis stress tests. A real rebalancing plan — and a plain-language explanation of every number, so you actually understand what they mean.
Institutional-grade analytics
made for retail portfolios.
Portfolio Optimisation
Sharpe-maximised rebalancing plan with exact quantities.
Risk Analytics
VaR, CVaR, beta, and crisis stress-testing.
Tax-Loss Harvesting
Ranked rupee savings with LTCG crossover flags.
The problem
Standard retail brokerages excel at transaction execution and basic account reporting, but they offer minimal insight into portfolio risk. Most investors monitor their portfolios through a single daily metric: absolute P&L. While helpful for tracking immediate gains or losses, this figure fails to quantify active risk exposure, concentration skew, or tax liabilities.
Important investment decisions—such as sector rebalancing or booking tax-loss harvesting candidates before the financial year-end—frequently rely on manually exported spreadsheets. This ad-hoc approach is error-prone and highly inefficient for tracking complex holdings.
Historically, advanced analytical tools like Value-at-Risk (VaR) engines, covariance-driven optimisers, and historical stress-testing models have been reserved exclusively for institutional fund managers. Retail investors managing private portfolios have had to make key asset allocation decisions without access to these modern analytics.
What Calsify is
Calsify is a portfolio analytics tool for Indian retail investors. You upload your holdings — a Zerodha or Groww export works directly, or you can enter positions manually — and in under thirty seconds you see institutional-grade risk metrics, an optimised rebalance plan, and tax-loss harvesting candidates ranked by rupee saving.
Portfolio analytics your broker won't show you.
Calsify is an analytical tool, not a SEBI-registered investment adviser. All outputs are illustrative and educational. Consult a SEBI-registered adviser before making any financial decision.
Built around understanding, not just numbers
The deepest problem with most portfolio tools is not bad math — it is that the math arrives without context. You see a Sharpe ratio of 1.2 and have no idea whether that is good. You see beta of 1.4 and do not know what it implies for the next correction.
Calsify is built on a different assumption: every metric should come with a reason for existing. Why this number matters. How it is calculated. What it tells you about your portfolio. What an Indian investor should actually do with it.
Each risk metric, optimisation target and tax recommendation is paired with a plain-language explanation: what the formula measures, what a typical Indian equity portfolio looks like on that dimension, and what the next action might be. The goal is not to leave you with fifteen numbers. It is to leave you with a real working understanding of how your portfolio behaves.
Core capabilities
Four engines run on every portfolio. You do not have to know which one you need — you will see all four.
Risk analytics
Fifteen institutional-grade metrics in one view — Value at Risk and Conditional VaR at 95% and 99% confidence, beta against Nifty 50, Sharpe and Sortino, max drawdown, rolling volatility, Treynor, Calmar, R-squared, Jensen's alpha, upside and downside capture. Each one ships with a plain-English explanation of what it actually means and what "good" looks like for the Indian market. Six historical crisis stress tests — COVID-19, the 2008 GFC, IL&FS, Taper Tantrum, demonetisation, and the March 2020 crash — replay how your exact holdings would have behaved during each event.
Portfolio optimisation
A Modern Portfolio Theory engine runs thousands of weight combinations across a three-year return history and a full correlation matrix. Choose between maximising risk-adjusted return (Sharpe) or minimising portfolio volatility. The output is not an abstract pie chart — it is a concrete rebalance plan with exact share quantities to buy or sell per holding, and a side-by-side view of the projected risk and return profile against your current portfolio.
Tax-loss harvesting
Indian tax rules are wired in. STCG (20%) and LTCG (12.5%) impact is calculated per position based on purchase date and quantity. Losing positions eligible for harvesting are ranked by net rupee saving — so you know which sale moves the needle most. Positions sitting a few weeks away from the one-year LTCG crossover get a countdown so you do not accidentally book a short-term gain. FIFO lot tracing handles partial sells correctly.
Reports & tracking
Save a snapshot today, another next quarter, another at year-end. The reports view charts every metric over time — Sharpe, beta, drawdown, concentration, returns — so you can see how the character of your portfolio is drifting. The compare view shows position-level diffs between any two snapshots: which holdings rotated in, which weights drifted, which risk numbers moved, all in one table.
Accuracy
- Live market prices. Holdings are revalued against the latest publicly available equity prices on every analysis run — not the stale figures on your last broker statement.
- Documented formulas. Every metric — Sharpe, Sortino, VaR, beta, drawdown, R-squared, Jensen's alpha — comes with the exact formula used and the benchmark it is computed against. No black boxes.
- India-first defaults. The risk-free rate uses the RBI repo. The benchmark is Nifty 50. Tax brackets follow current STCG (20%) and LTCG (12.5%) rules. Stress tests cover Indian market crises, not 1929.
Security & your data
Your portfolio is sensitive. We designed Calsify so the minimum amount of data leaves your browser, and what does is protected end-to-end.
If you use Calsify as a guest, your data is only cached locally in your browser. If you create an account to save reports, your portfolio snapshots are securely encrypted and stored on our cloud servers in line with India's DPDP Act.
Who it's for
You bought twenty stocks two years ago and you do not know which ones quietly turned into 30% of your portfolio. Calsify shows you concentration, sector skew, and the contribution of each name to overall volatility.
You want to harvest losses before 31 March without accidentally booking a gain. Calsify ranks every eligible loser by net tax saving and flags positions near the LTCG crossover.
You have heard of Sharpe ratios and beta and want to actually understand what they mean for your money. Every metric on Calsify is paired with the why — what it measures, what good looks like, and how it should change your thinking.
See how your portfolio actually behaves.
Calsify takes a few minutes to set up and runs an analysis in under thirty seconds. Risk, optimisation, and tax — all on one screen, with the why behind every number.
Open Calsify