Your solo financial plan

35 calculators — free forever. Upgrade for the full planner, AI advisor, and more.

Free

$0

Free forever. No card needed.

  • 35 financial calculators
    SIP, FIRE, NPS, EMI, tax & more
  • Financial health score
    See where you stand in 2 minutes
  • Demo planner (view-only)
  • Your own financial planner
  • AI planning assistant
  • Personalised action plans
Get Started Free
MOST POPULAR

Pro

$12 /month

or $99/year (save 31%)

  • Everything in Free, plus:
  • Your own financial planner (1 profile)
    Track income, expenses, goals, assets & net worth
  • Personalised action plans — 15/month
    AI analyses your data and tells you what to do next
  • AI planning assistant — 200 msgs/month
    Ask anything about your finances, get answers from your data
  • Chat history — 30 days
  • PDF reports & score cards
  • Multi-currency support

Not sure what you get? See a real plan first.

Live interactive demo Download sample PDF report

Both are free. No signup, no card.

AES-128 encryption No data selling Stripe checkout Cancel anytime

Compare Plans Side by Side

Every feature, clearly laid out.

Feature Free Pro
Calculators & Tools
35 financial calculators
SIP, FIRE, NPS, EMI, tax & more
Financial health score
See where you stand in 2 minutes
Demo planner (sample data)
Financial Planner
Your own financial planner
Track income, expenses, goals, assets & net worth
PDF reports & score cards
Multi-currency support
8 currencies — INR, USD, EUR, GBP & more		Basic
AI Features
Personalised action plans
AI analyses your data and tells you what to do next		15/month
AI planning assistant
Ask anything about your finances, get answers from your data		200 msgs/month
Chat history
Access your past conversations		30 days
Sample AI Action Plan

What Pro looks like for a real NRI

Here’s a plan generated from a real cross-border profile — H-1B on the US side, SIPs and property in India. Sign up to see yours.

AI Action Plan — Priya, 32 (H-1B, planning to return to India)

7 recommendations · CFP-guided · Cross-border

1

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 until you return.

2

Add ₹2 Cr term cover in India

Urgent

Your US employer policy lapses when you leave the US. NRI-issued INR term cover is cheaper and pays out to family in India directly.

3

Diversify concentrated RSU position

Optimise

62% of your US portfolio sits in employer RSUs. Sell $8K/quarter into VTI on each vest — same tax outcome, less single-stock risk.

+4 more recommendations tailored to your numbers.

Sign up free — then upgrade to see yours

Free forever plan available · Pro from $12/mo

Are you a financial advisor or CFP?

Stop building plans in Excel. FinPlann gives you AI-generated action plans, branded reports, and a client portal — so you spend less time on admin and more time advising.

See Advisor Plans

Frequently asked questions

Is FinPlann really free?
Yes. 35 financial calculators, expense tracker, and your financial health score are 100% free forever — no credit card needed. You only pay if you want the full planner with AI features.

What's included in the Pro plan?
Pro ($12/month or $99/year) unlocks the full financial planning workspace: cash flows, investments, goals, SIP recommendations, insurance gap analysis, the 0-100 Financial Health Score, PDF report generation, AI Action Plans (15/month), and FinChat AI planning assistant (200 messages/month). Free users keep all 35 calculators and the expense tracker; Pro unlocks the connected planner.

What does "Personalised action plans" mean?
Our AI analyses your income, expenses, goals, assets, and insurance — then generates a step-by-step priority list of exactly what you should do next. Think of it as a financial advisor session, but instant and based entirely on your real data. The recommendations follow the Certified Financial Planner (CFP) India curriculum.

What can I ask the AI planning assistant?
Anything about your finances. "Should I prepay my home loan or invest?", "How much life insurance do I need?", "Am I saving enough for retirement?" — FinChat reads your financial data and gives personalised guidance based on CFP principles.

Is there an advisor or business tier?
Yes — Advisor ($99/month) and Advisor Pro ($299/month) tiers let financial advisors manage multiple client profiles in one workspace, with client invite flows, AI meeting notes, an intake form for new clients, and a kanban-style client pipeline. See the For Advisors page for details.

Can I cancel my subscription anytime?
Yes. Cancel anytime from your account settings — no questions asked. Your premium features stay active until the end of your billing period. After that, your account moves to the free plan and you keep access to all 35 calculators, the expense tracker, and your financial health score. Your data is never deleted.

Is my financial data safe?
High-risk financial values — your investments (invested amount, current value), income, loan EMIs, expenses, and advisor notes — are encrypted at rest with AES-128 (Fernet, AES-128-CBC + HMAC-SHA256). Even with direct database access, those fields appear as ciphertext. Connections are encrypted with TLS (HSTS preloaded). Payments are handled by Stripe (PCI-DSS Level 1) — we never see card numbers. We never sell your data, show ads, or earn commissions. You can export or delete everything anytime.