Free · No Signup · No Card
What should you fix
first with your money?
Enter 6 numbers. Our AI (grounded in the CFP framework) returns 7 prioritised action steps in ~20 seconds — the top 3 free.
Take-home after tax
Rent/EMI + all essentials
Total across MFs, FDs, savings, PPF/EPF
~20 seconds · No signup · 3 free checks/day
Analysing your finances…
Applying CFP-framework logic to your numbers
Your Personalised Action Plan
Here's what to fix first
Unlock your full plan for $12/mo
See every recommendation with concrete rupee amounts, timing, and rationale. Plus the full planner workspace, unlimited FinChat, and 15 fresh AI action plans per month.
Cancel anytime · No card until you upgrade
How this differs from a SIP calculator
A calculator answers "what if I invest X for Y years at Z%?" — one question at a time. This tool takes your whole financial picture and returns 7 prioritised next steps: what to fix first, what to fix second, and why. It's not a chart, it's a plan.
Under the hood, the same AI service Pro subscribers use is called with a minimal snapshot built from the 6 inputs above. The recommendations you see are real Claude-generated advice — not a canned response.
Why the top 3 free (and the rest behind Pro)
Each AI call costs real money (Claude API tokens). We give the 3 highest-priority recos in full — usually the ones that move the needle most — as a genuine free deliverable, no email or card required. The remaining 4 stay locked so that people who want the full CFP-grade plan support the tool.
Pro users get 15 fresh AI action plans per month, unlimited FinChat, the full connected planner (income + goals + investments + insurance + FIRE tracker), PDF reports, and score cards.
Frequently asked
Do I need to sign up?
No. This tool works fully anonymously. We rate-limit to 3 free checks per IP per day so the AI bill doesn't spike from abuse — that's the only tracking.
Is my data stored?
The inputs are sent to our AI service to generate your plan, but nothing is written to our database. We don't know who you are.
Is this financial advice?
No — it's an AI planning assistant using the CFP framework as a scaffold. It won't tell you which specific mutual fund to buy. For binding personal advice, consult a SEBI-registered investment adviser.
What if the recommendations don't fit my situation?
Give it more detail. For an NRI, US resident, or advisor scenario, the free 6-field form is a starting point. The full Pro planner captures all inflows, outflows, investments, goals, insurance, family, and country context — much richer input → much sharper plan.