Your solo financial plan
30 calculators — free forever. Upgrade for the full planner, AI advisor, and more.
Free
₹0
Free forever. No card needed.
-
30 financial calculators
SIP, FIRE, NPS, EMI, tax & more - Expense tracker with categories
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Financial health score
See where you stand in 2 minutes - Demo planner (view-only)
- Your own financial planner
- AI money advisor
- Personalised action plans
MOST POPULAR
Pro
₹199
/month
or ₹1,499/year (2 months free)
- Everything in Free, plus:
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Your own financial planner (1 profile)
Track income, expenses, goals, assets & net worth -
Personalised action plans — 5/month
AI analyses your data and tells you what to do next -
AI money advisor — 50 msgs/month
Ask anything about your finances, get answers from your data - Chat history — 30 days
- PDF reports & score cards
- Multi-currency support
AES-128 encryption
No data selling
Stripe checkout
Cancel anytime
See what's inside Pro
A complete picture of your money — health score, cash flows, goals, investments, and an AI advisor that knows your numbers.
30
Calculators
8
Currencies
1
Plan included
10min
To set up
Compare Plans Side by Side
Every feature, clearly laid out.
| Feature | Free | Pro |
|---|---|---|
| Calculators & Tools | ||
| 30 financial calculators SIP, FIRE, NPS, EMI, tax & more | ||
| Expense tracker with categories | ||
| 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 | 5/month | |
| AI money advisor Ask anything about your finances, get answers from your data | 50 msgs/month | |
| Chat history Access your past conversations | 30 days | |
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.
FAQs
Frequently asked questions
Is FinPlann really free?
Yes. 30 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 (₹199/month) 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 (5/month), and FinChat AI advisor (50 messages/month). Free users keep all 30+ 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 money advisor?
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 (₹2,999/month) and Advisor Pro (₹8,999/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 30 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.