You’re richer
than you think
you are.

Secure your financial future through a combination of smart planning, regular savings, the right investments, and patience.

SmartRupee can help you achieve your financial goals.

Save first,
and you can freely
spend later

Most people tell you that the key to saving is to control what you spend. We disagree. Our tools will help you calculate how much you need to save, and you can freely spend the rest of your income.

Save first,
and you can freely
spend later

Most people tell you that the key to saving is to control what you spend. We disagree. Our tools will help you calculate how much you need to save, and you can freely spend the rest of your income.

Make your money
go to work for you.

Your money needs to be deployed in inflation-beating assets so that you can get richer over time. You worked hard for your money. Now make your money work harder so that you can get richer faster.

Welcome to goal-oriented investing

We help you save for the things that matter to you, without you having to make the complicated calculations for how much you will need.

Control your risk

Our tools automatically manage your investment risk by diversifying your portfolio across different investments, asset classes, and even asset managers to optimise your risk-adjusted returns.

Automate your savings

The best way to save is not have to think about it. We will help you set up accounts that will automatically move money into your investment accounts so that you do not have to worry about the hassle of saving.

How it works (and why it is free)

SmartRupee has taken the power of financial management principles and distilled it into a proprietary algorithm that we used to deliver personalised financial advice to you.

We ask you a small number of questions about your personal finances and your goals

We calculate how much you might need to achieve each goal.

We then break down each individual goal into a simple, monthly payment to keep you on track.

That monthly payment is invested in mutual funds, managed by some of Pakistan’s most experienced fund managers with the best track records, making the power of regular investing and compounding work for you.

At SmartRupee, we also believe that financial advice should remain affordable, and we offer our services for free.

Upholding high legal and
ethical standards

SmartRupee is owned by Elphinstone Pakistan, a company that is currently in the process of registering itself as a licenced Securities Adviser with the Securities and Exchanges Commission of Pakistan (SECP). The company offers investment products and services managed by companies that are also licenced asset management companies, duly registered and regulated by the SECP.

Our parent company is Elphinstone, Inc., a New York-based company that is a Registered Investment Advisor with the United States Securities and Exchange Commission.

Track your
finances on your
phone

Coming soon, SmartRupee will offer its customers the ability to monitor their savings and investments on smartphone apps, both on Android and iOS phones.

Track the performance of your investments on the go, make additional investments, and withdraw funds as and when you need them, all with the ease of a few clicks on an app.

Invest with trusted names.

We help you invest in the best investments, managed by some of the best-known companies in Pakistan with the best long-term track records.