Personal financial intelligence
Finances are more than a bank balance
Income, cash, investments, property, debt, insurance and goals belong to the same household. My ESI organises whatever you confirm into one picture: liquidity, net worth quality, EMI load, protection gaps labelled as missing information, and goals that compete for the same rupee. Public calculators on esi.in Finance stay crawlable. My ESI uses them against your graph so you are not asked to re-type known facts.
What ESI can do with partial information
Income alone supports a rough savings and EMI-stress sketch. Bank statements add liquidity and recurring commitments. Insurance files add who is covered and when policies renew. CAS or broker statements add composition and concentration — not a daily return. EPF or NPS statements are often the single most useful next file for a retirement view. Each confirmed source changes which question is worth asking next.
What this is not
My ESI is organisational and educational. It is not SEBI-regulated investment advice, not IRDAI product sale, and not an “AI financial adviser”. You review extracts before they enter the graph. You can remove information later.