Niyo Money 4+

Invest in direct mutual funds


Designed for iPad

    • 4.6 • 251 Ratings
    • Free



Goalwise is now Niyo Money
Get set! We're bringing you a power-packed suite of wealth products for an unparalleled investment experience. It's going to be so smart, simple, and effortless, it's #InvestingYoullLove.

Invest in the best zero-commission direct Mutual Funds for free for all your financial goals.

Don’t have the time or expertise to select Mutual Funds on your own again and again?
Do you keep wondering if the Mutual Fund you have selected is the right one or should it be replaced?
Is your portfolio cluttered with Mutual Funds bought years ago which you have never reviewed or replaced?
Even after investing in Mutual Funds, you are not sure if you will be able to achieve your future goals like wealth creation or retirement?
Do you feel you need to keep watching the business news in order to invest properly?

Do you wish someone could just take care of all this for you so you could have peace of mind and do things you want?

Well now you can!

Goalwise is a fully managed goal-based investment advisory platform that takes care of all the above for you.

You don’t have to be an expert to invest in Mutual Funds with Goalwise.

We do all the research for you and the Goalwise app provides you the best fund recommendations based on our time-tested data-driven Mutual Fund selection strategy and according to your goals. Once you start investing, if there are any changes required in any of your investments, we notify you of the same and get you back on track in a few clicks.

What’s more - with Goalwise you invest in the best zero-commission Direct Mutual Funds completely online for free. There are no transaction charges or any hidden fees.

It is ideal for first time investors looking to get started quickly as well as for experienced investors looking for goal-planning and automation.

Invest for all your goals

- Save Tax by investing in handpicked ELSS Mutual Funds
- Build an emergency fund by investing in Liquid Mutual Funds which provide instant redemption
- Build Wealth by investing in handpicked Equity and Debt Mutual Funds as per your risk profile
- Get better than FD returns at low risk. Invest in short-listed liquid funds or ultra short-term debt funds.
- Plan and invest separately for your long term goals like retirement or children’s education with target and duration based recommendations

You can plan and invest for each goal separately and see projections, set risk profile and track their progress.

Invest in zero commission Direct mutual funds for free
- Zero commissions, No transaction fees or any hidden charges
- Only direct mutual funds - earn up to 1.5%+ returns as compared to regular Mutual funds
- Sell anytime - money gets credited to your bank account directly
- Switch to direct funds from other platforms for free

Main Features:

Zero confusion with our fully guided investing - Zero research required. For each goal, we provide a recommended set of funds which you can invest in easily. Every year, we update the list of funds to the latest best performing funds and you can easily rebalance your investments in just a few clicks.

Periodic review and rebalancing of funds - We periodically review our list of recommended funds and replace the under-performing ones with better performing funds so that you are always invested in the best funds. Any changes are carried out just with a few clicks.

Highly customisable - everything, including goal settings, fund selection, asset allocation and risk profile can be customised to suit the needs of every individual investor.

Flexible SIPs - Start, stop or skip your SIPs without any penalty

Great looking dashboard with goal-tracking

Knowledgeable and friendly customer support

Download the Goalwise app and get the fully guided investing experience that you were always wishing for. :)

What’s New

Version 1.3.4

Minor bug fixes and improvements

Ratings and Reviews

4.6 out of 5
251 Ratings

251 Ratings

Chaitanya Salvi ,

Keep calm and use Goalwise

The concept itself is amazing. This app helps you put your financial management is a perspective. Just figure out your goals and leave everything else to the expert team of Goalwise.

The people behind the technology are putting a lot of hard-work just to make our life easier. You can find a lot of apps which will give you a platform to buy MFs. But the Goalwise is way different than them. Goalwise will provide you everything that other apps are providing but on top of it, the app will give expert advice and tailored financial planning services.

Simple but powerful UX with some very interesting features make this app a very useful. I personally liked the features of portfolio rebalancing. The app does it amazingly beautiful. It gives effortless rebalancing experience to user.

The customer support of the app is outstanding. It is fast. And the people are very helpful. They are always ready to help you with any doubt that you may have.

Goalwise will make the worry disappear.

The service offerings are surely worth more than the difference of the expense ratios.

If you are still reading my review then just give the app a try. I am sure you will not regret it. Goalwise will help plan your financial goals very very wisely.

And last but not least, mutual funds investments are subject to market risks. Read all scheme related documents carefully.

Happy interesting.

Developer Response ,

Thank you Chaitanya for taking the time out to write this review. It just made our day! And it keeps us motivated to work harder. 🙂

prghsh ,

Absolute lifesaver

This app is an absolute lifesaver.. amazing GUI and very easy to follow and manage and very easy to use.. very satisfying to see reaching towards your goal.. rebalancing option is very amazing.. I have also tried redemption and was awestruck to see the simplicity in the process... I’ll always recommend this app to everyone

Developer Response ,

Thank you so much for the appreciation, we're so glad to hear that you like us and you recommend us to everyone. It means the world to us :D

lucky1604 ,

One of best apps out there with one small flaw!!!!

Goalwise(niyomoney) is one of the very few apps out there which makes your investing journey very easy. One of the very few apps which a provide you in app customer service chat option and only app (correct me if I am wrong) which does portfolio rebalancing free of cost and also does tax gain harvesting. Only negative aspect of Niyomoney is it won’t let you invest as an NRI with a NRE account.

App Privacy

The developer, Goalwise, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

You Might Also Like