Free · No Login Required
AI Investment Roadmap
A free, personalized investment plan in under 2 minutes — real risk scoring, real asset allocation, real fund recommendations. The AI explains your plan; it never invents the numbers.
Start Your Free Roadmap →How it works
Step 1
Your Goal
What you're investing for, how much, and by when
Step 2
About You
Age, income, and expenses
Step 3
Risk Appetite
How you'd react to a market drop
Step 4
Safety Net
Emergency fund, debt, existing investments
Real math first. AI explains it after.
Your allocation is computed by a deterministic rule engine — 12 real checkpoints on your emergency fund, debt, risk score, goal feasibility, and more — not guessed by AI.
Every fund recommendation is a real, currently active mutual fund, filtered and ranked by its real star rating, expense ratio, and health score.
Every checkpoint that shaped your plan is shown on your roadmap, with the exact rule that triggered it — nothing is a black box.
The AI only narrates the numbers a Ruby engine already computed — it never invents a fund, a number, or a recommendation on its own.
Frequently Asked Questions
Is the AI Investment Roadmap personalized investment advice? expand_more
No. It's TopFund's own AI-assisted analysis based on your answers and real, publicly available fund data — not advice from a SEBI-registered investment advisor. Consult one before making investment decisions.
Is it free? expand_more
Yes, completely free, and you don't need to create an account to use it.
How is my risk score calculated? expand_more
From a fixed, transparent rubric based on your age, income stability, investing experience, and how you'd react to a market drop — not by the AI. Every roadmap shows exactly which rules fired and why, so nothing is a black box.
What mutual funds does it recommend? expand_more
Real, currently active mutual funds filtered by real star ratings, expense ratios, and a composite health score — ranked by that data, not guessed by AI.
Do I need to sign in to use it? expand_more
No — the whole wizard and your generated roadmap work without an account. Signing up just lets you save it and revisit it later.
How is this different from a regular SIP calculator? expand_more
A calculator answers one number (like "how much will my SIP be worth"). This runs your whole financial situation — goal, income, emergency fund, existing investments, debt, risk tolerance — through 12 real checkpoints to produce a full allocation and a specific set of real funds, not just a projection.
This is TopFund's own AI-assisted analysis, not personalized investment advice. Consult a SEBI-registered investment advisor before making investment decisions.