One financial plan
for two countries
FinPlann is the cross-border financial planner built for NRIs and global Indians — track your RSUs, 401(k), SIPs, PPF, and property in one CFP-grounded plan. Residents of India, welcome too.
Ask anything about your money.
Get personalised answers.
FinChat
AI planning assistant
I’m on H-1B in the US with SIPs and property in India. Can I retire in India at 55?
Your assets: $180K in 401(k) + RSUs, ₹42L in SIPs + PPF, and a Hyderabad flat. Combined ≈ ₹2.6 Cr today.
Target for retiring in India at 55 (25 yrs) at ₹1L/mo lifestyle: ₹9.4 Cr. Gap is closable — three moves:
- 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
Every answer follows the CFP framework
Every response follows Certified Financial Planner (CFP) principles.
Personalised to your income, investments 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.
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 framework
Move Indian MFs into PFIC-safe holdings
Urgent₹18L in Indian mutual funds triggers PFIC filings and punitive US tax while you’re a US resident. Convert to US-domiciled ETFs (VTI / VXUS) until you return.
Next step
Pause new Indian SIPs this month. Redirect ₹40K/mo into US brokerage ETFs; plan a phased Indian MF exit before FY-end.
Add ₹2 Cr term cover in India
UrgentYour US employer policy lapses when you leave the US. NRIs can buy INR-denominated term cover — cheaper than USD equivalent and payable to family in India.
Diversify concentrated RSU position
Optimise62% of your US portfolio sits in employer RSUs. Sell $8K/quarter into VTI on each vest — same tax outcome, less single-stock risk.
Max PPF contribution before Mar 31
OptimiseYou’ve funded ₹80K of your ₹1.5L limit. Top up ₹70K by March 31 — tax-free INR compounding you’ll need if you retire in India.
Built on the CFP framework
Every recommendation follows the same framework CFP-certified planners use for cash flow, emergency funds, goal-based investing, 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 $500 to your index fund this month; move $600 from stocks into a bond fund for your 2-year goal.”
Frequently asked questions
What is FinPlann?
FinPlann is the cross-border financial planner built for NRIs and global Indians — it turns your USD income (RSUs, 401(k), US brokerage) and INR assets (SIPs, PPF, EPF, property) into one connected plan. Beyond 30+ calculators, it includes a Financial Health Score (0–100), an AI Action Plan with 7–12 prioritised recommendations, FinChat (an AI planning assistant grounded in Certified Financial Planner (CFP) principles), and a Will-Your-Money-Last projection through age 90. Residents of India are welcome too — the same tools work.
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 AI assistant, goal tracking, PDF reports) is on Pro at $12/month (or $99/year). There’s also Advisor ($99/month) for advisors managing up to 50 clients, and Advisor Pro ($299/month) for firms.
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 is grounded in the CFP framework — the same framework FPSB-certified financial planners use worldwide for cash flow, emergency funds, goal-based investing, and insurance adequacy.
Ready to take control of your finances?
Start free — upgrade when you need the full planner.