Every table has Row Level Security switched on, so a query can only ever return your own rows, the isolation is enforced by the database, not by application code that might have a bug in it. If you supply your own AI key it is encrypted with AES-256-GCM before it is stored, and it is never sent back to the browser.

Is this investment advice? Is FuMoney SEBI-registered?

No, on both counts. FuMoney is a planning and simulation tool, not a registered investment adviser. Everything it shows is a projection built on stated assumptions, and a projection is not a recommendation. Speak to a SEBI-registered adviser before you act on any of it.

Is it really free? What is the catch?

It is free, permanently, with no card and no trial. Every feature listed on this page is available to everyone who signs up. The AI simulator gives three premium answers a day and unlimited answers on the smaller model after that; if you want more, you can plug in your own OpenAI or Anthropic key and bypass the limit entirely.

Which AI answers my questions?

By default, OpenAI's GPT-4o for your first three questions each day and GPT-4o-mini after that. Your financial profile is summarised into the prompt, the numbers, not your name or email. If you add your own key, the same key can also run Anthropic's Claude instead.

How is this different from a spreadsheet or a SIP app?

A spreadsheet cannot tell you that a ₹60 lakh home loan pushes your retirement back by four years, because your loan tab has never spoken to your retirement tab. A SIP app tracks one goal in isolation. FuMoney holds income, spending, loans, cover and every goal in the same model, so a change in one of them moves all the others, which is how money actually behaves.

Can I get my data out, or delete it?

Both, from your profile, without emailing anyone. Export downloads everything held about you as JSON. Delete removes your account and its data. There is no retention flow designed to talk you out of it.

Financial Operating SystemFuMoney OSIndia · Est. 2026 · Free foreverFree forever

Your salary is not a plan.
Your number is.

FuMoney folds your income, spending, loans, insurance and goals into a single figure, the corpus that buys your freedom, then shows you precisely what every large decision does to it.

Find my number I have an account

No bank linking, no UPI access, no account statements. You type your own numbers.

Every feature, free, permanently. There is no paid tier to upgrade to.

A worked exampleLive from the engine

A 30-year-old spending ₹50,000 a month, who wants to stop working at 50, has to accumulate:

₹0

Required corpus at age 50

Inflation applied6.0% general

Withdrawal rate2.86% · 35×

SIP from zero · 20 yrs₹88,692/mo

Assumed return10.0%

What the 25× rule would have said

₹4,81,07,025 , short by ₹1,92,42,820. The global 4% rule was not written for a country where healthcare inflates at 11%.

Computed by the same functions the app runs, not typed into a marketing page.

What the numbers rest on

35× multiplier: 2.86% withdrawal, not the global 4%
Category inflation: 6% living · 9% education · 11% medical
Post-tax returns: What reaches you, not the fund's headline
Human Life Value: How term cover is actually sized
SIP waterfall: Priority-weighted, not split evenly
Monthly compounding: Chart and table agree, always

01The problem

Nobody ever showed you
what the guesses cost.

Four assumptions almost every Indian saver makes without noticing. Each one below is priced by the same functions that run inside the product, no rounding up for effect.

You start next year instead of this year

Same contribution, same return, twelve fewer months for it to compound.

₹74,54,371

off your final corpus

You plan your child's education at 6%

School and college fees have run closer to 9% for a decade.

₹2,39,727

under-budgeted per ₹1 L of today's fees

You plan healthcare at 6%

Indian medical costs compound near 11%, the fastest line in any household.

₹4,85,517

under-budgeted per ₹1 L of today's cost

You sign a ₹60,00,000 home loan unsimulated

8.50% over 20 years, an EMI of ₹52,069 a month.

₹64,96,560

paid in interest alone

None of this is a spreadsheet problem. It is a connection problem, your rent has never met your retirement date, and your home loan has never met your child's admission year. FuMoney is the place they finally meet.

02The system

One screen where every number
knows about the others.

Your rent has never met your retirement date. Here they are computed together, along with your EMIs, your term cover, your SIPs and every goal you have named.

Dashboard

Updated 2 days ago

Your total wealth

₹24,50,000

Assets minus all liabilities

Free cash each month

₹18,500

After every EMI and bill

Emergency savings

4.2 months

Target is 6

Fitness score

Good, insurance is the weak pillar

Corpus projection to age 58

at 10% post-tax

Lands at

4.6 Cr

Needs

6.0 Cr

Short by

1.3 Cr

“What closes my 1.3 Cr gap?”Simulate

Notes on the specimen

Computed server-side: Every figure is calculated before the page paints, so the number you see first is the number that is true.
A failed read throws: If a query fails, you get an error and a retry, never a confident ₹0. A wrong number is worse than no number.
The amber bracket: Measures the distance between the plan you have and the plan you need. Here it is ₹1,31,94,789, and ₹11,091 a month closes it.
Five pillars, one score: Emergency fund, insurance cover, debt ratio, savings rate and goal coverage, each scored, each with the action that raises it.

03The modules

Eight instruments.
One plan holding them together.

Each one is useful alone. The reason they are worth having in the same place is that a change in any of them moves all the others, which is the part a spreadsheet has never done for you.

03.1Retirement

Your number, and four ways to move it.

Drag your retirement age, your monthly spend, the return you expect, or the pension and rent you will still be receiving, and the corpus recalculates while your finger is still on the slider. Whatever you settle on is saved without you asking.

Four what-if sliders
Auto-saved, with a reset
Monthly compounding in chart and table alike

What-if sliders

Saved ✓

Retirement age58

Monthly spend today₹35,000

Expected return10.0%

Other income at 58₹0

Corpus needed at 586.0 Cr

On current plan4.6 Cr

Top-up SIP to close it₹11,091/mo

03.2Goals

Money that knows which goal comes first.

Name a goal, give it a year, and it inherits the inflation rate that actually applies to it, 9% for a college seat, 7% for a down payment. A priority-weighted waterfall then divides your surplus between them and says plainly which ones your income cannot yet reach.

Category-specific inflation
Priority × urgency waterfall
On track · Stretch · At risk · Unfunded

SIP allocation

₹14,500/mo

Emergency fund

6 months of expenses

On track

₹3,500/mo

Child's education

2038 · 9% inflation

Stretch

₹7,000/mo

Home down payment

2031 · 7% inflation

At risk

₹4,000/mo

03.3Simulator

Ask the question you have been avoiding.

It already knows your income, your EMIs, your cover and every goal you have named, so the answer arrives in rupees and years, not in general advice. It remembers the conversation, so you can keep pushing until you actually believe it.

Multi-turn, with your full profile in context
Three premium answers a day, free
Bring your own API key for unlimited

You asked

“I'm getting a ₹15,000 raise next month. Does that fix my retirement gap?”

Answered with your actual numbers

Free cash each month₹18,500 → ₹33,500

Corpus at 584.6 Cr → 6.4 Cr

Retirement shortfall1.3 Cr → nil

Route the whole raise to your SIPs and the gap closes. Spend it and you are back to needing ₹11,091 a month you have not found yet.

03.4Fitness

One number for how you are actually doing.

Five pillars, twenty points each: emergency fund, insurance, debt ratio, savings rate, goal coverage. The score is only the headline, what matters is that it tells you which pillar is dragging, and the one action that lifts it.

Five weighted pillars
Tracked across every export
Each pillar carries its own fix

Financial fitness

Good, with one hole in it

Five pillars, twenty points each.

Debt ratio

18/20

Savings rate

16/20

Emergency fund

14/20

Goal coverage

14/20

Insurance

10/20

03.5Insurance

The gap you would otherwise find at the worst moment.

Term cover sized by Human Life Value rather than by whatever the agent sold you, health cover checked against a family floater, and a warning before a premium lapses. This is the least interesting page in the product and the one most likely to matter.

Human Life Value sizing
Life and health, separately
Premium-due warnings 60 days out

Human Life Value · 15× annual income

Term life coverShort 96.8 L

You hold 40.0 LNeeds 1.4 Cr

Health coverThin for a family

You hold 5.0 LNeeds 10.0 L

Premium on your term policy is due in 23 days. A lapse here costs more than every other line on this page combined.

03.6Paycheck

What to do on the day your salary lands.

Not a budget: an order of operations. Bills, then EMIs, then the emergency fund, then the SIPs, with the exact rupee amount against each. Investing stops being what happens to survive until the 28th.

Fixed → EMIs → buffer → SIPs
Rupee amounts, not percentages
Rebuilt whenever your income changes

The day your salary lands

₹76,000

01Rent, bills, groceries₹35,000
02Loan EMIs₹22,500
03Emergency fund top-up₹4,000
04Goal SIPs₹14,500

In that order, every month. Nothing is left to whatever survives until the 28th.

03.7Trackers

Income, expenses and investments, each given room.

Three dedicated pages rather than one crowded form. Every entry takes a subcategory, so 'transport' can separate the cab you take to work from the car you are still paying for, and every asset can carry the maturity date you would otherwise forget.

Per-source growth rates, projected five years
Fixed and variable expense split
Asset allocation and maturity alerts

Income

₹76,000

Salary, post-tax₹68,000

Freelance₹8,000

Growth rate per source, projected five years out

Expenses

₹35,000

Rent · fixed₹18,000

Groceries · variable₹9,500

Fixed and variable split, with a savings rate on top

Investments

24.5 L

EPF + PPF11.2 L

Equity mutual funds9.4 L

Allocation, maturity dates and reinvestment alerts

03.8Report

A record you can hand to someone.

Eight pages covering where you are, where you want to be, and how you get there, generated on the server, stored, and downloadable again later. Put March beside September and the argument about whether you are improving becomes a matter of record.

Eight-page PDF with charts
Every export kept for comparison
Yours to delete, whenever

FUMONEY Financial Report

8 pages · generated today

PDF

Fitness

24.5 L

Net worth

6.0 Cr

FIRE target

Where you are: net worth, cashflow, fitness
Where you want to be: FIRE, goals, insurance
How you'll get there, roadmap and paycheck plan

Every export is kept, so you can put March next to September and see what actually moved.

04The math

Built for India, not
translated into it.

Most planners apply one inflation rate to a whole life. But a college seat, a hospital bed and a bag of rice have never risen at the same speed, and pretending otherwise is where the shortfall starts.

What ₹1,00,000 of today's cost becomesIn 20 years

Everyday living

Rent, groceries, transport, utilities

₹3,20,714

Your child's education

School fees, coaching, college seats

₹5,60,441

Healthcare

Hospitalisation, surgery, long-term care

11%

₹8,06,231

Property

Down payment, registration, interiors

₹3,86,968

Read the last two rows again. Planning your child's education or your parents' healthcare at the general rate does not make you slightly wrong, it makes you wrong by a factor of two.

And the rest of it

Lakhs and crores: ₹24,50,000, not ₹2,450,000. Charts abbreviate to 24.5 L and 6.0 Cr, the way you would say it out loud.
The instruments you hold: EPF, PPF, NPS, SSY, SGB, fixed deposits, ELSS and the flat your parents left you, each with the return and lock-in that belongs to it.
Cover that matches the market: Term, health, critical illness and endowment kept apart, with premium frequency and maturity value where they exist.
Goals priced by your city: A first home in a tier-1 metro is not a first home in a tier-3 city. Quick-add goals arrive pre-filled from where you actually live.
35×, not 25×: The global 4% rule assumes American life expectancy and American healthcare inflation. Neither applies here, so the default is more conservative.

05How it works

Five minutes now, for a decision you make once.

There is no bank connection to authorise and no statement to upload. You type your own numbers, which is slower to start and the reason nothing about your money ever leaves your control.

01About five minutes

Tell it about your money

Seven short steps: income, spending, investments, loans, cover, goals, appetite for risk. It saves as you go, so a closed tab or a dead battery costs you nothing.

02Computed immediately

See the number

Net worth, fitness score, retirement target and the distance between where your plan lands and where it needs to. Most people learn something they did not know inside the first minute.

03Whenever life moves

Come back before you decide

A raise, a loan, a baby, a move, a job offer in another city. Ask what it does to the number first, while it is still a question rather than a signature.

06The price

Every feature. Every person. ₹0.

There is no paid tier waiting behind a wall, and no plan to add one. If that sounds like something is missing, the list below is the whole product.

A fee-only planner, one written plan

Revised annually, for a fee

₹15,000, ₹50,000

A subscription advisory app

Per year, tiers behind tiers

₹2,000, ₹10,000

FuMoney, all of it

No card, no trial, no tier

₹0

Included, all of it

Full dashboard and net worth

Financial fitness score

FIRE calculator with what-if sliders

Unlimited goals with SIP allocation

AI decision simulator

Insurance gap analysis

Paycheck distribution guide

Prioritised action roadmap

Income, expense and investment trackers

Eight-page PDF reports, kept forever

Help Centre, written in plain English

Export or delete everything, any time

Why it is free

“Financial planning in India is too big a problem, and matters to too many people, to sit behind a paywall. I built the thing I wanted and could not find. Use it, plan boldly, and tell me where it is wrong.”

Founder · FUMONEY

Start planning

07Questions

The seven things people ask first.

Answered directly, including the ones with an uncomfortable answer.

No: and there is no way to. FuMoney has no bank integration, no UPI access and no statement upload. You type your own figures during onboarding, which is slower to begin with and the reason nothing about your money ever leaves your control.

One last figure

₹0

That is what one year of waiting costs the 30-year-old at the top of this page. Same contribution, same return, just started twelve months later. It is the most expensive thing on this page, and it is free to avoid.

Find my number Read why this exists

No cardNo bank linkingFive minutesDelete it any time

How it is arrived at

Monthly SIP₹88,692/mo

Return assumed10.0%

Invested for20 years

Started a year later19 years

The difference between those last two rows is the whole figure. Nothing else changes.

Your salary is not a plan.
Your number is.

FuMoney folds your income, spending, loans, insurance and goals into a single figure, the corpus that buys your freedom, then shows you precisely what every large decision does to it.

No bank linking, no UPI access, no account statements. You type your own numbers.

Every feature, free, permanently. There is no paid tier to upgrade to.

Your salary is not a plan.Your number is.

You start next year instead of this year

You plan your child's education at 6%

You plan healthcare at 6%

You sign a ₹60,00,000 home loan unsimulated

Your number, and four ways to move it.

Money that knows which goal comes first.

Ask the question you have been avoiding.

One number for how you are actually doing.

The gap you would otherwise find at the worst moment.

What to do on the day your salary lands.

Income, expenses and investments, each given room.

A record you can hand to someone.

Tell it about your money

See the number

Come back before you decide

Do I have to connect my bank account?

Is my data safe?

Is this investment advice? Is FuMoney SEBI-registered?

Is it really free? What is the catch?

Which AI answers my questions?

How is this different from a spreadsheet or a SIP app?

Can I get my data out, or delete it?

Your salary is not a plan.Your number is.

You start next year instead of this year

You plan your child's education at 6%

You plan healthcare at 6%

You sign a ₹60,00,000 home loan unsimulated

Your number, and four ways to move it.

Money that knows which goal comes first.

Ask the question you have been avoiding.

One number for how you are actually doing.

The gap you would otherwise find at the worst moment.

What to do on the day your salary lands.

Income, expenses and investments, each given room.

A record you can hand to someone.

Tell it about your money

See the number

Come back before you decide

Do I have to connect my bank account?

Is my data safe?

Is this investment advice? Is FuMoney SEBI-registered?

Is it really free? What is the catch?

Which AI answers my questions?

How is this different from a spreadsheet or a SIP app?

Can I get my data out, or delete it?

Your salary is not a plan.
Your number is.

Your salary is not a plan.
Your number is.