Ask anything about your money

SIPs, tax regimes, retirement, insurance and NRI moves, answered in plain English. Try a question free, no signup.

What would you like to know?

Pick a question to start, or type your own below.

General education, not personalised advice.

1 free question without an account · 5 a month with a free account · Create a free account or log in

How FinChat answers

In the right order

It follows the order certified planners use: cash flow, emergency fund, insurance, then goals.

With real numbers

Answers work in rupees and timelines, and point you to the calculator that checks the maths.

For India and abroad

Indian tax and products like PPF, EPF and NPS, plus NRI topics like NRE/NRO, RNOR and PFIC.

What an answer looks like

My monthly expenses are ₹50,000. How big should my emergency fund be, and where should I keep it?
FinChat
  1. Aim for 6 months of expenses: ₹3 lakh (₹50,000 × 6). Go to 9–12 months if your income is irregular or you're the only earner.
  2. Keep it safe and easy to reach: a month or two in a savings account or sweep FD, the rest in a liquid fund.
  3. Build it before adding more equity: with ₹15,000 a month to spare, you'd reach ₹3 lakh in 20 months.
Open Emergency fund calculator →

Get answers built on your own numbers

FinChat is part of the FinPlann Financial Planner. Add your income, investments, loans and goals once, and every answer starts from your real situation.

  • A 0–100 Health Score across savings, emergency fund, SIPs, goals and insurance
  • SIPs mapped to each goal, with how much more you need each month
  • An AI Action Plan of ranked next steps, with Pro
  • India and abroad in one plan: INR and USD, NRI rules included
See a sample plan Start free
FinPlann Financial Planner overview: Health Score with savings, emergency, SIP cover, goals and insurance pillars

Frequently asked questions

What is FinChat?
FinChat is FinPlann's AI assistant. Ask about SIPs, mutual funds, old vs new tax regime, retirement, insurance or NRI money and it answers in plain English, following the Certified Financial Planner (CFP) order: cash flow, emergency fund, insurance, then goals.

Is FinChat free?
Yes, you can try it without signing up. A free FinPlann account adds a monthly allowance of questions, and Pro ($12/month) includes 200 a month along with answers based on your own plan.

Is FinChat financial advice?
No. FinChat gives general education, not personalised investment advice, and FinPlann is not a SEBI-registered investment adviser. Use it to understand your options, then check important decisions with a registered adviser.

How is FinChat different from ChatGPT?
FinChat is set up for Indian personal finance: current tax rules, Indian products like PPF, EPF, NPS and ELSS, and NRI topics like NRE/NRO accounts, RNOR and PFIC. With Pro it also reads your FinPlann plan, so answers use your real income, SIPs, goals and insurance.

Does FinChat see my bank account?
No. FinPlann never connects to your bank or brokerage. FinChat only knows what you type, plus the numbers you add to your plan if you are on Pro.

Can FinChat make mistakes?
Yes. Like any AI it can be wrong, especially on recent rule changes or unusual situations. Double-check figures with the linked calculators or official sources before you act.