Built to cover your whole financial life.

62 asset types, across five countries.

Equities and foreign-listed stocks, ESOPs and RSUs, mutual funds, ETFs, gold and silver, sovereign gold bonds, crypto, fixed and recurring deposits, PPF, EPF, NPS, gratuity and pension, NSC, KVP, SCSS, SSY, MIS, corporate and RBI bonds, land, house property, REITs and InvITs, insurance, physical cash and collectibles — plus the jurisdiction-specific instruments each country actually uses: 401(k), IRA, Roth IRA, HSA, 529, ISAs, SIPPs, gilts, Premium Bonds, superannuation, sukuk and more.

• Multi-account — bank, demat and crypto accounts with independent cash balances.
• Multi-portfolio — self, spouse, retirement or children, each with its own base currency and location.
• Custom attributes — tag holdings, bank balances and demat cash "long-term", "emergency fund", "high risk" — one at a time or many at once — then analyse by tag.
• Full transaction history — buys, sells, dividends, interest and fees, powering XIRR.

When there's no built-in parser, AI reads it instead.

The built-in parsers are exact and free — they know precisely where each column sits. The AI parser is the safety net for everything else, and it is deliberately not India-specific: it works out the statement's own currency, date format and decimal separator from the document rather than assuming a country.

• Any country, any currency — ISO 4217 inferred from symbols, IBAN, bank name or language, with per-row currency for forex lines.
• Any language or script — descriptions are preserved verbatim, never translated, with an optional English merchant name alongside.
• Cross-checked — the statement goes to every AI provider you've configured, and Zinfai keeps the result the providers most agree on.
• Direction verified — debit versus credit is confirmed against the running balance, not guessed from wording.
• Learns each layout — after one successful AI read, Zinfai saves the layout and checks it against the same file. From then on that bank's or form's statements are read locally, at no cost.

This is the one feature that leaves your machine. The AI parser only runs if you have supplied your own API key, and it sends the statement's text to the provider you chose. Leave the keys blank and Zinfai still reads every institution listed above — you simply lose the fallback. Full detail in the privacy statement.

Five pages, one financial year at a time.

• Profile — PAN, date of birth, residential status and regime; your Chapter VI-A deductions (80C, 80D, 80CCD and the rest); losses brought forward; and the figures only a document can give, such as gross salary from Form 16.
• Returns — upload the Intimation u/s 143(1) or the ITR-V and Zinfai reads the income, the tax and whether you have a demand or a refund. It checks the form's own arithmetic too.
• Profit & Loss — income by head, and capital gains worked out lot by lot. Each gain is short- or long-term under the right section (111A, 112A, 112, 115BBH), and every sale is listed. A sale with no recorded buy is flagged with a button to add one.
• Computation — old and new regime side by side, with every deduction named by its section. Exempt income such as PPF and EPF interest is shown separately rather than silently dropped.
• Calendar — advance-tax instalments and filing deadlines, as reminders in your alerts inbox.

Set your goals. Get a plan built around them.

Tell Zinfai about yourself once — age, income, expenses, risk appetite, tax slab, insurance, liabilities, and the goals that matter (a child's education, a home, early retirement). The planner assembles a full financial snapshot and asks the AI provider of your choice to generate a plan tailored to you. Review and edit the exact prompt before anything is sent, or paste back a response you ran elsewhere. Every plan is versioned with the exact input snapshot, so you can compare and accept one later.

A year-by-year plan, not a single number.

Zinfai computes your Lean, Regular, Fat and Coast FIRE targets from your age, expenses, savings, monthly investment, expected returns and inflation — then projects net worth, contributions, withdrawals and portfolio balance for every year until, and through, retirement.

• Income sources — salary, bonus, rental and pension streams with start and end dates and growth rates.
• Milestones & debts — education, a home purchase, and active EMIs with interest and tenure.
• Bucket strategy — short, medium and long-term buckets with rebalancing rules and per-instrument constraints.
• Withdrawal simulator — test withdrawal sequences against market scenarios, with resiliency stress tests and an optimizer.
• Tax rules — slabs, deductions and regime selection feed straight into net withdrawals.
• Scenarios & sensitivity — save "what if" variants and compare them side by side.

Asset Quality — know how good each holding really is.

Zinfai puts your AI provider to work as a research analyst, scoring every stock and mutual fund you own from 1.0 to 10.0 with the reasoning to back it up. Scores are cached, refreshed daily by a scheduler, and can be re-run on demand.

• Stocks — competitive moat, financial health, valuation, growth and management, weighed into one score.
• Mutual funds — rolling returns vs benchmark, Sharpe and alpha, portfolio construction, expense ratio and manager record.
• 3Y / 5Y / 10Y verdicts — a clear Buy, Hold or Sell call for each horizon, each with its thesis.
• Peers & best-in-class — five direct peers ranked, the best-in-class name called out, and who the asset actually suits.

Bring your own AI key — or use none at all.

Every AI feature in Zinfai runs through a key you supply, for the provider you choose: OpenAI, Anthropic Claude, Google Gemini, xAI Grok, Mistral AI, DeepSeek, Groq, Perplexity, OpenRouter or AWS Bedrock — and anything else that speaks the OpenAI API works too, via a custom endpoint. Plans, ratings, statement parsing, Mr Mirror's answers and news analysis are generated with your key and stored in your local database. There is no Zinfai server in the middle — because there is no Zinfai server.

Leave the keys blank and everything else still works: tracking, statements in supported formats, prices, XIRR, snapshots, net worth, alerts and the entire FIRE engine are all deterministic and need no AI at all.

No key yet? Google Gemini, Groq and OpenRouter all offer free keys. On first login Zinfai shows you how to get one in a couple of clicks and tests it before saving.

All of it, on your own machine.

No cloud accounts, no data sharing, no subscription. Install Zinfai and see your whole financial life in one place.