Last Updated on July 26, 2026 at 8:14 am
Last month we launched NaviPlan: A Privacy-Focused Multi-asset Tracker and Goal Planner. This tool, developed by Gokul of Naviran Technologies in association with freefincal, can be used to track mutual funds, stocks, and FDs. The user can tag these to financial goals and track their progress. The tool also provides options to lower risk via various asset allocation options and glide paths (for equity de-risking).
Thanks to enthusiastic user response, we have been able to make significant changes to the tool. An update by Gokul.
Hey there, NaviPlan community! We’ve been busy this July, and we’re thrilled to share what we’ve been working on. Version 1.4.0 “Guyot” is packed with features you’ve been asking for — and then some!
Why This Release Matters
July 2026 has been an incredible month for NaviPlan. We’ve transformed from a mutual fund tracker into a complete multi-asset, multi-currency, insurance-aware, pension-ready financial command centre — all while staying 100% private and local-first.
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👉 New Tool Alert! NaviPlan: A Privacy-Focused Multi-asset Tracker and Goal Planner 👈
Every feature in this release runs entirely in your browser. No data leaves your device. No cloud sync unless you explicitly choose Google Drive Backup. Your privacy is not for sale — it’s the foundation of everything we build.
Multi-Currency: Track Global Assets
We’re excited to unveil Multi-Currency Support — one of our most requested features! Now you can track holdings in 8 currencies right alongside your INR investments: INR, USD, EUR, GBP, JPY, SGD, AUD, CAD, CHF.
What’s in it for you?
- Hold assets in their original currency — INR, USD, EUR, GBP, JPY, SGD, AUD, CAD, CHF — no more manual conversions!
- Per-currency XIRR — Accurate returns for each currency, because blending dollars and rupees would be financially inaccurate
- Auto INR conversion — Current values are converted at daily exchange rates so you always know what your portfolio is worth in rupees
- Exchange rates updated daily — Just hit “Refresh Market Data” and you’re good to go
- Currency auto-detection for stocks — .NS/.BO → INR, .L → GBP, no suffix → USD
- Wrong currency? No problem — Change it anytime from the Manage Holdings page (works for Stocks & FDs)
Invested amounts are shown per currency because historical exchange rates at purchase time aren’t available — keeping your cost basis accurate and honest.
Insurance Tracking: Life and Health
Your insurance policies deserve a home too! We’ve added a full Insurance section to track both Life and Health policies.
Life Insurance
- Track Term, Endowment, ULIP, Whole Life, and Money Back policies
- Add nominees with names, relationships, contact numbers, and percentages
- Maturity tracking — Link endowment/ULIP policies to your financial goals
- Upload policy documents to Google Drive
Health Insurance
- Track Individual, Family Floater, and Senior Citizen health policies
- Add covered members — Self, Spouse, Child, Parent, and more
- Super Top-up support with co-pay and deductible tracking
Premium Reminders
- Dashboard shows upcoming premiums due within 30 days
- Status indicators — Overdue, Due Soon, On Track
- One-click “Mark as Paid” — next due date auto-computes
- Snooze reminders for 1, 7, or 15 days
Insurance Tab on Dashboard
- New “Insurance” tab alongside All Assets and Pension Funds
- Summary cards: Total Policies, Total Coverage, Total Annual Premium
- Premium reminders visible on every tab
NPS (National Pension System) Tracking
We’re excited to bring you NPS support — a dedicated section to track your National Pension System investments!
NPS Features
- Track multiple PRANs with custom labels (e.g., “My NPS”, “Spouse NPS”)
- Import CSV statements from the CRA portal — bulk upload with preview
- Auto-fetch current NAV from NaviPlan’s NPS database
- Per-scheme XIRR — see how each NPS scheme is performing
- Merge or Replace options when re-importing
- Link NPS to your financial goals with projected corpus calculations
Dashboard Integration
- NPS summary cards on the Pension Funds tab: Total Invested, Current Value, Gain/Loss, XIRR
- Goal integration — NPS corpus adds to your retirement goal projections
Google Drive Backup: Your Data, Anywhere
Worried about losing your portfolio data when switching devices? Google Drive Backup is here!
- One-click backup — your entire portfolio uploaded to your personal Google Drive
- Automatic periodic backups — set it and forget it (configurable interval)
- On-change backups — save automatically when your data changes
- Restore from any device — download your backup on your laptop, phone, or tablet
- Archive history — last 5 backups saved, older ones auto-cleaned
- 100% private — your data lives in your Drive, accessible only by you. We cannot see it.
Google Drive connection is optional. Your data stays local unless you explicitly choose to back up.
Portfolio Labels: Organise Your Way
Your portfolio, your rules! Portfolio Labels let you tag, filter, and organise holdings exactly how you want.
- Colour-coded labels — create labels with custom names and colours
- Multiple labels per holding — a single fund can be “Retirement” + “Tax Saver” + “Large Cap”
- Filter the Dashboard by any label combination
- Goal allocation — assign labelled holdings to goals with percentage allocations
- Works across all asset types — MF, Stocks, FD, Gold, insurance, pension funds, everything!
Manage Holdings: Take Control
Ever imported a CAS and found a scheme mapped to the wrong variant (Regular vs Direct, Growth vs IDCW)? We’ve got your back!
- Search and replace — find the correct scheme from our catalogue
- One-click update — scheme name, NAV, and current value all updated automatically
- Bulk select and delete — clean up multiple holdings at once (with all related transactions)
- Filter by asset type, label, and date — find exactly what you’re looking for
- Stocks and FDs in multiple currencies — edit and modify stocks and FDs in multiple currencies
How to Get Started
- Existing users: Refresh the page — you’re already on v1.4.0 “Guyot”!
- New users: Go to https://fin.naviran.in/ and subscribe (Rs. 2500 a year)
- Explore the new sections — Insurance, Pension Funds (NPS tab), Google Drive Backup in Settings
- Add foreign holdings — select currency when adding transactions, or use the new Currency column in the import template
- Try the new popups — we’ve added guided introductions for all major features
- Visit the FAQ — we’ve updated it with detailed answers for every new feature
Thank You!
This release is the result of your feedback, suggestions, and enthusiasm. Every feature here was built because you asked for it. Keep the ideas coming!
Love NaviPlan? Tell a friend! Share it with someone who needs a privacy-first portfolio tracker. Word of mouth is how we grow.
Happy investing!
— The NaviPlan Team
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