Built an institutional portfolio auditor & risk ring-fencer (100% free, runs in-browser, zero data stored). Looking for feedback!
Hey everyone,
Like many long-term investors, I got frustrated with conventional portfolio trackers that only show daily P&L and green/red charts without answering the questions that actually protect capital:
* *Which of my holdings are actually undervalued vs trading at stretched peak multiples?*
* *Is my emergency fund accidentally getting treated as "idle cash" to buy stock dips?*
* *How will my actual holdings compound to fund long-term life milestones?*
To solve this, I built **MoatAudit** — an open, institutional-grade portfolio auditor and risk scanner. It’s **100% client-side** (runs in your browser’s local memory; **no login, no signup, and zero financial data is ever sent to or stored on any server**).
# 5 Key Features at a Glance:
1. **🔒 100% In-Browser Privacy**: Drag & drop your Zerodha Kite, Groww, or Upstox CSV. The parsing and math happen strictly in your browser tab. Closing the tab wipes everything.
2. **💎 Margin of Safety & Moat Matrix**: Calculates Intrinsic Fair Value (MRP) and visual Margin of Safety (MoS) heat gauges across 60+ Indian moats to separate true deep-value buys from overvalued traps.
3. **🛡️ Personal Capital Ring-Fencer**: Strict asset-liability matching that isolates 6–12 months of emergency living runway and near-term liabilities so you never gamble essential reserves during market corrections.
4. **⚠️ Dynamic Action Radar**: Instead of static charts, it dynamically generates tactical action items based on your holdings: where to deploy fresh SIP capital, which positions need trailing stop-losses, and concentration alerts.
5. **🎛️ Smart Capital Rebalancer**: Input any fresh savings amount (e.g. ₹50,000), and it calculates the exact share allocation to accumulate your most undervalued holdings.
# Looking for Your Feedback:
🔗 **Live Link**: [portfolio-auditor-ai.vercel.app](https://portfolio-auditor-ai.vercel.app/)
*(or GitHub:* [*github.com/rohitbpatil27/portfolio-auditor-ai*](https://github.com/rohitbpatil27/portfolio-auditor-ai)*)*
I'd love your honest critique:
* Does the Margin of Safety & valuation framework make sense for your investment style?
* What additional broker formats or risk metrics (drawdown stress-testing, beta, sector caps) would you like to see?
* How is the UI and usability on mobile vs desktop?
Roast it or share suggestions — all feedback is welcome!