PortoAI vs ET Money
ET Money manages your money. PortoAI helps you understand it.
You probably opened ET Money to buy a direct mutual fund or file your ITR. It is good at that. But after you have invested across stocks, MFs, and maybe some F&O positions through your broker, who helps you understand the whole picture? PortoAI connects to your Zerodha account and analyses everything together: your equity holdings, options positions, mutual funds, and trading behaviour. ET Money is where you transact. PortoAI is where you think.
Feature-by-feature comparison
PortoAITax Regime Comparison
Old vs New regime with full deduction breakdown, updated for Budget 2025 changes. Ask 'Which tax regime saves me more on 18 LPA?' and get a clear answer
Tax regime comparison plus full ITR filing service with CA support
Options Analysis
19 strategies, Greeks (Delta, Gamma, Theta, Vega), Max Pain, PCR, and payoff charts. Covers NIFTY, BANKNIFTY, and stock options
Not available. ET Money does not cover derivatives
Technical Analysis
17 indicators including RSI, MACD, Bollinger Bands, Supertrend. Ask in plain English: 'Show me RELIANCE daily chart with RSI'
Not available. ET Money is transaction-focused, not chart-focused
Stock Research
Fundamentals (PE, PB, revenue, profit margins), quarterly results, peer comparison. Ask 'Compare TCS vs Infosys financials' and get a side-by-side
Not available. ET Money focuses on mutual funds, not individual stocks
Broker-Connected Portfolio (Equity + F&O + MF)
Connect your Zerodha account. PortoAI pulls your full holdings: equity, F&O positions, and mutual funds. All analyzed together
MF-focused portfolio. Limited equity visibility. No F&O tracking
Behaviour Tracking
Analyses your trading history for overtrading, revenge trades after losses, FOMO buying into rallies, and emotional decision patterns
Not available. ET Money tracks transactions, not trading behaviour
Trade Impact Simulation
Before buying 500 shares of HDFC Bank, see how it changes your concentration, sector exposure, and portfolio health score
Not available
Direct MF Purchase
Not available. PortoAI analyses your MF holdings (NAV, overlap with equity, ELSS guidance) but does not sell funds
Direct MF purchases with 0% commission. Wide fund selection with category rankings
ITR Filing
Not available. PortoAI helps you plan taxes, not file them. No CA support or ITR submission
Full ITR filing with CA assistance. Upload Form 16, review, and file
IPO Research
Scorecards for mainboard and SME IPOs. Financials, GMP, subscription data, peer comparison, and risk flags before you apply
Basic IPO listings. No detailed scorecards or analysis
Commodity Analysis
MCX coverage: Gold, Silver, Crude Oil, Natural Gas, Copper, Zinc, and more. Plus SGBs, commodity ETFs, and Digital Gold tracking
Gold investment options (SGBs, Digital Gold). No broader commodity coverage
Mobile Access
Web app that works on any device. PWA with push notifications for price alerts, goal milestones at 25/50/75/100%, and risk flags. No app store download needed
Polished iOS and Android apps. Strong mobile experience for MF investing and tax filing
Verdict
A marketplace vs an analyst
ET Money is a personal finance marketplace. You go there to buy direct mutual funds at zero commission, file your income tax return with CA support, check your credit score, and compare insurance policies. It does the transactional side of money management well. PortoAI does none of that. It does not sell you anything. Instead, it connects to your broker and becomes your portfolio analyst. It scores your portfolio health across 5 dimensions, flags when 30% of your holdings are in one sector, spots emotional trading patterns in your history, and lets you ask questions like 'What happens to my concentration if I add 100 shares of RELIANCE?' It covers options with 19 strategies and Greeks, runs IPO scorecards, and tracks commodities on MCX. If you need to buy MFs or file your ITR, use ET Money. If you want to understand what your investments are actually doing, how your risk is distributed, and whether your trading patterns are working against you, that is what PortoAI is built for. Many investors use both.
Best fit for PortoAI
Investors who want AI-powered analysis across their entire portfolio: equity, F&O, and mutual funds together. Best fit if you trade actively and want behaviour insights, options analysis, or trade impact simulation alongside your financial planning.
What PortoAI doesn't cover
Direct MF purchases at zero commission, ITR filing with CA support, credit score tracking, insurance comparison and purchase, NPS account management, and loan eligibility checks.
What ET Money is missing
Conversational AI interface, equity and F&O analysis, portfolio health scoring (0-100 across 5 dimensions), 19 options strategies with Greeks, behaviour fingerprint (overtrading, revenge trades, FOMO), trade impact simulation, IPO scorecards, commodity analysis, and 17 technical indicators.
See how PortoAI handles what ET Money can't. Risk checks, position sizing, and portfolio-aware insights.
Try it in PortoAIReal users, real portfolios
Trusted by real investors
“Spent two hours researching a stock last month. Asked PortoAI about Tata Motors this week, filings, peer comparison, risk flags, portfolio fit, all in under two minutes. Saved me roughly 6 hours of research this month alone.”
Priya Sharma
Long-term investor · ₹18L portfolio · Bengaluru
“Portfolio was deep red, I was about to double down on a losing Bank Nifty position. Got a revenge trade warning. Closed the app, went for a walk. That position dropped another 8% over the next week. PortoAI saved me roughly ₹12,400 on that single trade.”
Anil Kumar
F&O trader · 3 years active · Mumbai
“Used to keep Screener, TradingView, and Zerodha Kite open in three tabs. Now I just ask PortoAI. Fundamentals, technicals, risk check, position size. Cut my pre-trade research from 20 minutes to 3 minutes per stock.”
Ravi Mehta
Active investor · 47 stocks · Delhi
Continue reading
AI Financial Planner
Tax, SIP, retirement: 6 calculators
Mutual Fund Analysis
Holdings, ELSS, overlap detection
Portfolio Checkup
Health score across 5 dimensions
AI Options Analysis
19 strategies with Greeks and payoff charts
PortoAI vs INDmoney
How PortoAI compares to INDmoney's wealth super-app
All Comparisons
See how PortoAI compares to every major investing tool in India.
See how PortoAI adds AI analysis, risk checks, and planning to your workflow.
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