Your Money's AI Second Brain.
Talk to your portfolio and get an instant health checkup with AI-powered analysis across 5 lenses.
Diversification
Concentration across asset classes, sectors, and market caps
Overlap
Shared stocks between your mutual funds and ETFs
Cost Efficiency
Expense ratios vs direct plan alternatives
Risk Profile
Single-holding concentration and volatility exposure
Tax Awareness
Unrealized gains, tax regimes, and harvesting opportunities
No salesman
Niveshark sells no funds and earns no commission on any fund it shows you, so every finding is arithmetic on your own holdings.
Nothing leaves your browser
Your statement file is read on your device and never uploaded; only the holdings rows, with your name, PAN and contact details removed, go out for the analysis.
The math is public
Every score is plain arithmetic, and the code behind each lens is published for anyone to read and run.