FinPlann is a financial planning platform built for everyday Indians and NRIs. It combines free financial calculators, an investment planner and financial health tools in one place, without the complexity of traditional financial software.

Is FinPlann a SEBI-registered financial advisor?

No. FinPlann is financial planning software, not a SEBI-registered investment adviser. It helps you work through your own numbers, but it does not tell you which investments to buy, sell or switch. For that, speak to a SEBI-registered investment adviser.

How does FinPlann make money?

From Pro and adviser subscriptions. Calculators, the health check and guides are free; the connected planner, AI action plan, FinChat and PDF reports are part of Pro. We do not sell your data, show ads, or earn commissions on financial products.

Is my data safe on FinPlann?

Your planner data is encrypted at rest and in transit. We never sell or rent it. A few service providers process it only to run features you use, for example Anthropic for the AI action plan and FinChat, and Stripe for payments; our Privacy Policy lists them. We never connect to your bank or investment accounts: you enter all data yourself.

About FinPlann

Built for the investor who wants the full picture.

The founder

Pavan Polineni · Founder, FinPlann · Based in Singapore · Author page

I built FinPlann after years of being frustrated with personal finance tools that were either too simple (one-off calculators) or too complex (adviser software built for professionals, not individuals).

The core problem I kept running into: your SIP calculator doesn't know about your EMIs, and your retirement planner doesn't know about your current investments. You end up doing the same maths in five places, with no single view of whether you're actually on track.

FinPlann was built to fix that: one workspace where your cash flows, investments, goals, loans and SIPs stay connected, so when you change one number, everything updates together.

I'm based in Singapore, which is why FinPlann treats Indians abroad as a core audience, not an afterthought: multi-currency plans, residency and RNOR rules, and tools for moving back to India.

It focuses on Indian financial products and rules, such as NPS, PPF, EPF and capital gains tax under the Income-tax Act, 2025, and avoids jargon so that someone planning their first SIP and someone working out their FIRE number can both use it comfortably.

Our mission

Give every investor a complete, connected picture of their money.

Getting the basics right shouldn't need an adviser appointment. The maths of SIPs, EMIs, FIRE and goal-based saving is well understood; it just needs to be clear, connected and easy to reach.

Our calculators, the financial health check, the free money check and every guide are free, and the calculators need no account. The connected financial planner, the AI action plan, FinChat and PDF reports are part of Pro, which pays for FinPlann's development.

How we work

Calculators

Standard, publicly documented formulas: compound growth, SIP future value, reducing-balance EMI, annuities and inflation-adjusted corpus. Each calculator shows its assumptions, such as expected return and inflation, so you can change them.

Guides

Figures come from official sources, such as the Income Tax Department, RBI, SEBI, AMFI and the IRS, with the date they were checked, and articles list their sources. Read how we research, use AI and correct errors in our editorial policy.

Financial health score

A 0 to 100 score across five pillars: savings rate, emergency fund, SIP coverage, goal readiness and insurance. The full method is in our score methodology.

Not investment advice

FinPlann is not a SEBI-registered investment adviser. It helps you work through your own numbers, following the standard planning order, but it doesn't tell you which investments to buy, sell or switch. See our investment guidelines.

Have feedback or a question?

Email hello@finplann.com. We read everything and reply within 2 business days.