“Can I afford a ₹40L car next year?”
India's AI financial planner — built for real numbers, not generic advice
FinPlann is an Indian personal-finance platform that turns your salary, expenses, SIPs, and goals into one connected plan with CFP-grounded AI recommendations — free to start, no bank access required. Not a calculator. A financial co-pilot.
Free to start · No credit card | AES-128 encrypted SSL + HSTS No data selling
Built by Pavan Polineni · Grounded in the CFP India curriculum · No bank access. Ever.
How healthy are your finances? Take the free health check →
Your full financial plan,
generated in 15 seconds.
Our AI reads your real cash flow, goals, insurance & risk profile — then writes 7–12 prioritised recommendations with concrete next steps, every one ranked by urgency.
Personalised AI Action Plan
Based on your real numbers · CFP India framework
Build emergency fund immediately
UrgentYou have ₹0 buffer on ₹90K/mo expenses. Target 6 months (₹5.4L) before any other moves.
Next step
Move ₹3L from your ₹3.05L monthly surplus into a liquid fund this month.
Add ₹3 Cr term cover
UrgentYour ₹2 Cr cover is only 32% of the recommended ₹6.25 Cr for 4 dependents at your income.
Rebalance away from small-cap risk
Optimise88% of your SIP sits in Mid/Small Cap — aggressive even for your age. Shift ₹4K from Small Cap to Flexi Cap.
Deploy your idle ₹2.8L surplus
OptimiseStart an additional ₹50–75K/mo SIP in Flexi + Large Cap to accelerate long-term goals.
Built on CFP India curriculum
Every recommendation follows the same framework FPSB-certified planners use for cash flow, emergency funds, goal-based SIPs, and insurance gaps.
Prioritised: Urgent · Optimise · Nice-to-have
No 30-item generic checklist. Each item is ranked by urgency so you know exactly where to start — usually emergency fund and insurance gaps before anything else.
Concrete amounts & timing
Not “invest more.” Instead: “Add ₹4K to Flexi Cap this month; switch ₹5K Mid Cap SIP to Short Duration Debt for your 2-year goal.”
Ask anything about your money.
Get personalised answers.
FinChat uses your actual financial data and CFP India principles to give actionable guidance — like having a certified planner in your pocket.
FinChat
AI Financial Advisor
Am I saving enough for retirement?
Based on your income of ₹1.45L/mo and SIPs of ₹20K/mo, you're investing 13.8%.
Target 20-25% for retirement by 55:
- Increase SIPs by ₹10K/mo
- Max out NPS for 80CCD benefit
- Add a flexi cap fund for growth
Every answer follows the CFP India framework
Every response follows Certified Financial Planner principles from the CFP India curriculum.
Personalised to your income, SIPs and goals
Answers are based on your actual income, investments, goals and insurance — not generic advice.
Ask follow-ups in plain English — context persists
Ask follow-ups, dig deeper, get clarity. Conversations remember context across messages.
Live dashboards.
Everything connected.
Beyond AI, you get the full planner toolkit — cash flow, investments, goals, insurance, and a downloadable PDF. Every tool feeds the others: your score updates when expenses change, your projection shifts when SIPs grow.
Financial Health Score — 0 to 100
0-100 financial fitness
- Savings rate, emergency fund, investment coverage
- Goal readiness & insurance adequacy
- Updates instantly on any input change
Goal-by-goal investment allocation
Every rupee knows its job
- Inflation-adjusted future cost per goal
- Automatic investment allocation by priority
- Fund category suggestions per goal
Will Your Money Last?
Year-by-year projection to age 90
Work becomes optional
Age 62 (in 2053)
Money lasts
28+ years to age 90
Corpus trajectory
- Year-by-year simulation through age 90
- Inflation-adjusted (10% acc / 7% dec / 6% inflation)
- Plain-English status: saving / free / spending / out
Your financial data deserves bank-level protection
Most finance apps ask for bank access. We don't. You enter your numbers manually — and everything is encrypted, private, and under your control.
AES-128 Encryption at Rest
High-risk financial values — investments, income, expenses, advisor notes — are encrypted with Fernet (AES-128-CBC + HMAC-SHA256) before they reach the database. Raw rows look like ciphertext.
SSL Everywhere
Every connection is encrypted with TLS. HSTS is enforced with preload, and database connections require SSL — no exceptions.
No Bank Access. Ever.
We never connect to your bank or brokerage. Your credentials stay with you — we only see what you type in.
Zero Tracking Scripts
No Google Analytics, no Facebook Pixel, no retargeting. We use privacy-first analytics that don't identify individuals.
Payments by Stripe
We never see or store your card details. All payments are handled by Stripe, a PCI-DSS Level 1 certified processor.
No Ads. No Data Selling. Ever.
Revenue comes from Pro upgrades — not ads or data brokers. You can export or permanently delete everything anytime.
Frequently asked questions
Quick answers to what most Indian investors want to know before signing up.
What is FinPlann?
FinPlann is an Indian personal-finance platform that turns your salary, expenses, SIPs, insurance, and goals into one connected financial plan. Beyond 30+ calculators, it includes a Financial Health Score (0–100), an AI Action Plan with 7–12 prioritised recommendations, FinChat (an AI advisor grounded in the CFP India curriculum), and a Will-Your-Money-Last projection through age 90.
How is FinPlann different from a SIP calculator app?
A SIP calculator answers one question: "If I invest X for Y years at Z%, what do I get?" FinPlann answers the questions that come before and after that calculation — "should I be investing more given my expenses?", "is my emergency fund enough first?", "which goal should I prioritise?". It uses your real salary, EMIs, and current investments to give recommendations a generic calculator can't.
Does FinPlann connect to my bank account?
No. FinPlann never connects to your bank or brokerage. You enter your numbers manually — we only see what you type. High-risk financial values (income, investments, expenses) are then encrypted with AES-128 before they reach our database. Your bank credentials stay with you. We can't read what we don't have.
Is FinPlann free?
Yes. All 30+ calculators and the Financial Health Check are free forever, no card required. The full planner (AI Action Plans, FinChat advisor, goal tracking, PDF reports) is on Pro at ₹199/month. There’s also Advisor (₹2,999/month) for advisors managing up to 50 clients, and Advisor Pro (₹8,999/month) for firms.
Who built FinPlann?
FinPlann was built by Pavan Polineni, an Indian software engineer and personal investor frustrated with how scattered Indian financial planning tools are. The recommendation engine is grounded in the CFP India curriculum — the same framework FPSB-certified financial planners use for cash flow, emergency funds, goal-based SIPs, and insurance adequacy.
Does FinPlann work for NRIs?
Yes — the calculators support INR plus 7 international currencies (USD, EUR, GBP, SGD, AED, CAD, AUD), so NRIs can plan in either their home or resident currency. The planner workspace itself is INR-first today because the goal templates, insurance benchmarks, and tax frameworks are India-specific, but currency-flexible NRI workflows are on the roadmap.
Ready to take control of your finances?
Start free — upgrade when you need the full planner.