Free calculators. A full plan when you’re ready.

Every calculator is free, with no card needed. Go Pro when you want your own plan, ranked next steps and FinChat answers from your numbers.

Free

$0

Free forever. No card needed.

  • All 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
  • FinChat AI assistant: 5 messages/month
    General answers; Pro answers from your own numbers
  • Personalised action plans
Get Started Free

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
  • Multi-currency support

Not sure what you get? Try the live demo or download a sample PDF report. Both are free, no signup.

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. All financial calculators 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 calculators; 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 standard financial-planning principles.

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 guidance based on standard financial-planning 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 calculators 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.