How Earmark thinks
Most people invest in 5–6 mutual funds and have 3–4 goals in their head, but have never connected the two. Earmark connects them — and shows the full reasoning, not just a number.
The mental model
Some people take their monthly salary and put cash into envelopes — "rent," "groceries," "kid's school." We do the same with your mutual funds, except:
Your funds stay exactly where they are. We move nothing.
We only label which fund is realistically serving which goal.
If money isn't serving any goal, we say so honestly — we don't hide it.
House
Large Cap Fund
Education
Balanced Advantage
Retirement
Small Cap Fund
Unallocated
Liquid Fund
— Each fund labelled to a goal, nothing moved.
Before goals, the basics
Before looking at any specific goal, we check whether you have easily-accessible emergency money, and whether your portfolio is dangerously concentrated in one fund house or one type. A beautifully on-track "House" goal doesn't matter if you have zero emergency backup — we won't let a good-looking goal hide that.
The three rules
This is a hard rule — money that fails this test is simply not considered for that goal.
If you have funds that are only eligible for one or two goals, we lock those in first. Flexible funds (like stable debt funds that suit almost everything) are saved for last — assigned only after every constrained fund has found a home.
Same reason you book your hardest-to-reschedule item first when planning a trip, then slot flexible things around it.
If a goal ends up with noticeably more money than it actually needs, the excess is released back to unallocated — rather than piling up on one goal while another starves. Your manual choices always override this: if you've pinned a fund to a goal, it stays.
Monthly SIPs
Lump-sum holdings are sorted first. Then your SIPs are checked separately — every short goal gets at least a basic minimum contribution before any single goal hogs your full monthly investing capacity.
No exact promises
We show three scenarios: if things go badly, most likely, and if things go well. Can't-fail goals (emergency, near-term fees) are judged on the pessimistic number. Long-horizon goals like retirement are judged on the realistic middle.
Every label, warning, and verdict is backed by a specific, readable reason. Tap any verdict and see exactly why the engine decided that — no mystery boxes, nothing made up after the fact.
We will never tell you "buy this" or "sell that." Recommending specific funds is a SEBI-regulated advisory activity — we deliberately stay out of that lane. Think of us as a mirror, not an advisor.
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