Ask your money anything
“Can I afford the life I want?”
AI financial planner — built for real numbers, not generic advice
FinPlann is a personal-finance platform that turns your salary, expenses, investments, 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 | Bank-grade encryption No data selling
Built by Pavan Polineni · Grounded in the CFP framework · No bank access. Ever.
Your money is split across two countries. We build the plan that connects them.
RSUs and a 401k abroad, SIPs and property in India, and the question you can't quite answer — when can you move back? Get a complete cross-border financial plan, expert-made and delivered in 3 days.
Founding price $99 for the first 20 · One-on-one call included
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
Build emergency fund immediately
UrgentYou have $0 buffer on $6K/mo expenses. Target 6 months ($36K) before any other moves.
Next step
Move $3,000 from your $3,400 monthly surplus into a high-yield savings account this month.
Add $2M term cover
UrgentYour $1M cover is only 32% of the recommended $3.1M for 4 dependents at your income.
Rebalance away from single-stock risk
Optimise88% of your portfolio sits in individual stocks — aggressive even for your age. Shift $4,000 into a total-market index fund.
Deploy your idle $3K surplus
OptimiseStart an extra $600–900/mo into index funds to accelerate long-term goals.
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.”
Ask anything about your money.
Get personalised answers.
FinChat uses your actual financial data and Certified Financial Planner (CFP) 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 $9,000/mo and contributions of $1,250/mo, you're investing 13.9%.
Target 20-25% for retirement by 55:
- Increase contributions by $600/mo
- Max out your 401(k) match and Roth IRA
- Add an index fund for growth
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.
Frequently asked questions
Quick answers to what most investors want to know before signing up.
What is FinPlann?
FinPlann is a personal-finance platform that turns your salary, expenses, investments, 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 Certified Financial Planner (CFP) principles), 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 $9/month. 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.
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.