Fi-Plan.in
Trackers tell you what happened. Fi-Plan shows you what's possible. Simulate 50 years, month by month.
Trackers tell you what happened. Fi-Plan shows you what's possible. Simulate 50 years, month by month.
This page is designed to help you find out whether Fi-Plan.in is good and if it is the right choice for you.
Markdown allowed. Ye paste karo: Fi-Plan is a month-by-month financial simulator for Indian salaries — not another expense tracker.
Most tools tell you what already happened. Fi-Plan shows you what's possible: it models your income, spending, EMIs, SIPs, salary jumps and taxes for up to 50 years at monthly granularity, then answers the questions that matter:
Built for India: income-tax regimes, HRA and deductions, EMI amortization and prepayments, step-up SIPs, FDs/bonds/gold/equity, rupee-first reporting, shareable plans and templates. An anonymous API and MCP server let AI assistants (Claude, ChatGPT, Cursor) run the same engine.
Encrypted at rest. No broker passwords. Free to start — a simulator, not an advisor.
Listed in
50-year month-by-month simulation
Projects income, expenses, loans, SIPs and inflation monthly for up to 50 years.
Indian tax engine
Models old and new income-tax regimes, HRA, deductions, 87A and surcharge.
Loans & prepayments
Real EMI amortization; prepayments shorten the loan; refinance analysis.
Investments & assets
FDs, bonds, PPF, gold, equity, mutual funds, real estate with SIP step-ups.
FIRE number & FI date
4% rule corpus, savings rate and time-to-FI from your own numbers.
What-if scenarios
Test prepay-vs-invest, salary jumps, big purchases; compare two plans side by side.
Templates & sharing
Start from ready templates; share plans and an annual review card.
AI assistant + MCP
Ask in plain language; run the same engine from Claude, ChatGPT or Cursor.
Encrypted at rest
Financial data encrypted; no broker passwords or linked credentials.
Most tools tell you what already happened. Fi-Plan is a month-by-month financial simulator for Indian salaries — it projects income, taxes, EMIs, SIPs and net worth up to 50 years, so you can see when money gets tight and when financial independence arrives. The same engine powers a free API and MCP server, so AI assistants (Claude, ChatGPT, Cursor) run the exact same numbers.
India-specific by design: income-tax regimes, HRA and deductions, real EMI amortization with prepayments, step-up SIPs and rupee-first reporting — modelled month by month, not year-end estimates. It answers forward-looking questions ("prepay or invest?", "when can I retire?", "what if my salary jumps 20%?") from one consistent engine. Free to start, encrypted at rest, no broker passwords.
Indian salaried professionals (28–40, metro, roughly ₹12L–₹60L income) who plan seriously for FIRE/retirement, plus NRIs planning a return. Tech-comfortable users who like running real scenarios either in the app or through an AI assistant.
Next.js (App Router) and TypeScript, React on the front end, MongoDB for storage, and a pure TypeScript calculation engine shared by the web app, the public REST API and the MCP server. Deployed on Vercel, encrypted at rest, with OAuth and MCP for AI-assistant access.
Fi-Plan started from personal experience, not a market study. After my family's business nearly collapsed, I rebuilt my finances around a layered foundation - save first (10% emergency, 40% savings, 50% investment), funding each layer before the next, then invest. It worked, but tracking it lived in spreadsheets. So my co-founder Utkarsh Pandey and I turned that system into a product: a way to quantify exactly how much money you'll have at any point and simulate income, expenses, loans, inflation and returns month by month. That became Fi-Plan.
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Check the traffic stats of Fi-Plan.in on SimilarWeb. The key metrics to look for are: monthly visits, average visit duration, pages per visit, and traffic by country. Moreoever, check the traffic sources. For example "Direct" traffic is a good sign.
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