Guides
Everything worth knowing before you touch a calculator.
No fund recommendations, no "buy this now" calls — just the mechanics of goal-based investing, written for Indian mutual fund investors who want to understand what they're doing, not just get a number.
Fundamentals
How the Allocation Engine WorksWhich of your funds is paying for what — and why, rule by rule.Read guide →What is Goal-Based Investing?The framework behind every calculator and guide on this site.Read guide →Asset Allocation by Goal HorizonWhy the same investor needs different allocations for different goals.Read guide →Mutual Fund Portfolio Tracker: What It Should Tell YouTracking value isn't the same as knowing you're on track.Read guide →Does Earmark Replace Groww, Coin, or Zerodha?No — here's the exact line between what a broker does and what Earmark adds.Read guide →Earmark vs. Tracking Goals in a SpreadsheetWhere DIY tracking holds up, and where it quietly breaks down.Read guide →
Your CAS & returns
What is a CAS Statement?The single document that shows every fund you actually own.Read guide →How to Download Your CAS from CAMS & KFintechThe fastest route, step by step.Read guide →XIRR vs. CAGRWhich return metric actually reflects your money, and when.Read guide →CAS PDF PasswordThe general pattern by registrar, and a fix when it fails.Read guide →
Planning by goal
SIP vs. LumpsumThe honest trade-off, and how most people should split the difference.Read guide →How Much Emergency Fund Do You Need?The goal that has to be funded before any other goal counts as safe.Read guide →Retirement Planning in IndiaA step-by-step framework, from monthly expenses to required SIP.Read guide →FIRE in India: How Much Do You Actually Need?The FIRE number formula, and where the 4% rule needs adjusting here.Read guide →
See what your own mutual funds are actually funding.
Earmark reads your CAS and maps every fund you already own to a goal — free to start.
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