Built for Indian Professionals

Your Life Needs a Financial Operating System

Stop guessing. Start planning. FUMONEY transforms your salary, goals, and investments into one clear dashboard — with real Indian inflation rates and AI-powered "what-if" simulations.

Trusted by 1,200+ Indian professionals · No credit card · Free forever

100%

Free to Use

< 5 min

Onboarding

AI

Powered Insights

Built with the same math used by certified financial planners

SEBI-AlignedPost-Tax ReturnsIndian Inflation RatesFIRE MethodologySIP + Lumpsum
The Problem

You're Earning. But Are You Planning?

95% of Indian salaried professionals invest without knowing their exact retirement number. Scattered SIPs, unchecked inflation, and zero simulation of life decisions.

₹12,500+lost in compounding returns for every month a 30-year-old delays starting their SIP
📊

Scattered Spreadsheets

Excel sheets, random SIP apps, and mental math — none of it talks to each other.

📉

Invisible Inflation

Education costs grow at 9%. Medical at 11%. A flat 6% assumption will blindside you.

🎯

No Decision Simulation

"Should I take a home loan?" Nobody can tell you how it shifts your retirement by 4 years.

The Solution

Meet FUMONEY

One dashboard that connects your income, expenses, investments, insurance, and goals — then runs real-time simulations so you never make a blind financial decision again.

Net Worth

₹24,50,000

Fitness Score

72/100

FIRE Progress

34%

Runway

4.2 mo

Surplus

₹18,500

Allocation
"What happens if I take a ₹50L home loan at 9% for 20 years?"Simulate
How It Works

From Chaos to Clarity in 3 Steps

01

Tell us about you

7-step onboarding captures income, expenses, investments, insurance, and risk profile.

02

See your numbers

Dashboard shows net worth, FIRE progress, fitness score, and surplus in real time.

03

Simulate & decide

Ask any 'what-if' and watch how it shifts your retirement timeline instantly.

FIRE Calculator

Know Your Exact Retirement Number

Most "FIRE calculators" use flat 6% inflation. Real life isn't flat. FUMONEY uses category-specific Indian inflation rates to show you the real corpus you need — not a fantasy number.

6%

General inflation — your money halves every 12 years without a plan

9%

Education inflation — your child's college costs double every 8 years

11%

Medical inflation — healthcare costs triple in a decade without insurance

35x

FIRE multiplier — the corpus you need to never run out of money

Current Age30
FIRE Age50
Annual Expenses Today₹6,00,000
Expenses at 50 (6% inflation)₹19,25,000
FIRE Corpus (35x)₹6.73 Cr
Monthly SIP Required₹58,500
Everything in one place

Six tools. One dashboard. Zero confusion.

From your first salary slip to your last working day — FUMONEY covers every financial decision in between.

Financial Fitness Score

72/ 100

Stable

financial position

Emergency Fund8/20
Insurance18/20
Debt Ratio20/20
Savings Rate14/20
Goal Coverage12/20

FIRE Progress

28%

Target corpus

₹7.88Cr

↑ Retire at 55

27 years left

Corpus accumulated₹2.2Cr

AI Simulator

What if I take a ₹50L home loan at 9%?

Personalized answers · Powered by Claude AI

Goal Tracker

Emergency FundSIP ₹5,000/mo
Not started
House Down PaymentSIP ₹12,000/mo
35% funded
Child EducationSIP ₹8,000/mo
18% funded
3 active goals₹25,000/mo total SIP

Paycheck Guide

Every rupee, allocated.

Fixed Expenses35%
EMIs15%
SIPs / Goals25%
Variable15%
Discretionary10%

Built for India

Not just a global template. Every number, every formula, every assumption is calibrated for the Indian salaried professional.

0%

INR formatting (Lakhs/Crores)

0%

Indian inflation rates baked in

0x

FIRE multiplier for Indian retirement

PDF Report

Your entire financial plan, printed.

Financial Report
fumoney.in
8-page detailed report · Free export
The Platform

See Inside FUMONEY

Six precision tools that work together — connecting your income, expenses, investments, and life goals into one living financial plan.

AI-Powered Decisions

Simulate Any Financial Decision Instantly

"What if I take a ₹60L home loan?" Get an instant answer: new FIRE age, extra SIP needed, goal impact — all calculated with full knowledge of your actual finances. Powered by Claude AI.

Powered by Claude AI · Personalized · Multi-turn reasoning

✓ FreeTry it now
You
Simulation question

“What if I take a ₹60L home loan at 8.5% for 20 years?”

FUMONEY AI Analysis
Monthly EMI₹52,150
FIRE age impact50 → 54 yrs (+4 yrs)
Extra SIP needed+₹12,000/mo
Total interest paid₹65.2L over 20 yrs
Designed Locally

Built for India. Not Translated from the West.

Lakhs, crores, EPF, PPF, HRA, Section 80C — FUMONEY speaks your financial language from day one.

INR (Lakhs & Crores)
SEBI-Aligned Advice
Indian Inflation Rates
22-44 yr Professionals
Always Free

Every Feature. Every Person. ₹0.

₹2,000–₹10,000/month elsewhere·₹0 on FUMONEY. Forever.

Financial clarity shouldn't cost money. FUMONEY is free for everyone — no tiers, no trials, no credit cards. This is our way of giving back.

Full Financial Dashboard
FIRE Corpus Calculator
Unlimited Goals
AI Decision Simulator
Insurance Gap Analysis
PDF Report Export

“The problem of financial planning for every Indian is too big and too important to be locked behind a paywall. I built this to give back — use it freely, plan boldly.”

— Founder, FUMONEY

Start Planning — It's Free
FAQ

Common Questions

The six things people wonder before signing up. Answered directly.

More questions? Reach us through the in-app feedback form after signing up.

Your Future Self Will Thank You

Every month you wait costs you compounding returns. Build your financial plan in under 5 minutes — free, forever, no strings attached.

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