Financial planning for Indians everywhere
One plan for your money in India and abroad: SIPs, PPF and property next to your salary, RSUs and 401(k). Free calculators, an AI assistant and clear next steps.
Create a free account for 5 FinChat messages a month, plus the planner and Health Score.
Every plan ends in ranked next steps with real amounts, not generic advice.
Next steps from this plan
Ask anything about your money
FinChat answers in plain English. Once you add your numbers, it answers for your income, investments, goals and insurance.
Uses your numbers
Answers draw on the income, investments, goals and insurance in your plan, not rules of thumb.
Follow-ups in plain English
Dig deeper on any answer. FinChat remembers the conversation, so you never start over.
FinChat
- Keep maxing 401(k) match — free ~$4.5K/yr
- Swap Indian MFs → PFIC-safe US ETFs while on H-1B
- Step up NRE FDs by ₹30K/mo as INR corpus base
Free to start
Try a question without signing up, then get 5 a month with a free account. Pro includes 200.
Never touches your bank
You type your numbers; sensitive values are encrypted before they reach our database.
An action plan ranked by urgency
The AI Action Plan reads your cash flow, goals, insurance and risk profile, then writes 7–12 recommendations ranked by urgency, each with a concrete next step.
Build a 6-month emergency fund first
Most of your cushion sits in Bank Cash earning ~3%. Carve out a ₹5.4L buffer in a liquid fund before deploying surplus elsewhere.
Add ₹3 Cr term-life cover for Priya & Aarav
Two dependents and a ₹1L EMI, with ₹0 cover today. A ₹3 Cr term plan costs about ₹1,200/mo at age 36.
Get ₹25L family floater health cover
One hospitalisation could wipe out 30% of a ₹65L net worth. A ₹15L base + ₹10L super top-up is ~₹28K/yr.
Deploy idle monthly surplus into SIPs
₹1.16L sits idle in Bank Cash every month. Invested monthly for 25 years at an assumed 12%, it could grow to about ₹22 Cr.
Follows the CFP planning order
Recommendations go in the order certified planners use: cash flow, emergency fund, insurance, then goal-based investing.
Ranked, not a checklist
Every item is marked Urgent, Optimise or Nice-to-have, so you know exactly where to start.
Real amounts and timing
Not “invest more”. Instead: “Start a ₹15,000 SIP in a flexi cap fund this month; move ₹3 lakh from your FD to a debt fund for the 2028 goal.”
Free calculators
Quick answers without an account. Every calculator is free to use.
Latest guides
Plain-English guides to tax, investing and NRI money, updated for 2026.
Frequently asked questions
What is FinPlann?
FinPlann is a financial planner for Indians in India and abroad. It puts your income, SIPs, PPF, EPF and property next to RSUs, 401(k) and other foreign assets in one plan, then gives you a 0–100 Health Score, ranked next steps and FinChat, an AI assistant for money questions. All calculators are free.
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, and 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 calculators, the Financial Health Check and a free account with 5 FinChat messages a month cost nothing, with no card needed. Pro ($12/month or $99/year) adds AI Action Plans, 200 FinChat messages a month, goal tracking and PDF reports. Advisor ($99/month) and Advisor Pro ($299/month) are for financial advisors managing clients.
Who built FinPlann?
FinPlann was built by Pavan Polineni, a software engineer and personal investor frustrated with how scattered financial planning tools are. The recommendation engine follows the CFP framework that FPSB-certified planners work from, covering cash flow, emergency funds, goal-based investing and insurance adequacy.