Richify vs ET Money vs Indmoney vs Groww vs Cred vs Jupiter Money vs Walnut — AI features, asset classes, tax tooling, and pricing side-by-side.
✅ Editor's pick — multi-asset AI CFO
Most Indian fintech apps were built for one job — mutual funds, broking, neobanking, or expense tracking. Richify is the first consolidator with named AI agents: Felix as your CFO, plus four specialists (tax, investment, retirement, real estate) who reason about your full financial picture together. India-specific from day one — FY 26-27 calculators for income tax, advance tax, gratuity, LTCG, F&O, and crypto VDA all live and accurate.
Download Richify — FreeUpdated June 2026. Pricing reflects publicly disclosed app store / website listings. Investing platforms are SEBI-registered; neobanks operate via licensed RBI partner banks.
| App | AI / Planning | Asset classes | India tax features | Pricing | Best for |
|---|---|---|---|---|---|
| RichifyEditor's pick | Felix (CFO) + 4 named specialist agents — tax, investment, retirement, real-estate | Stocks, MF, EPF/PPF/NPS, gold, real estate, crypto (manual entry; Plaid integration planned) | FY 26-27 calculators built-in: income tax, advance tax, gratuity, LTCG, F&O, crypto VDA | Free (premium tier in roadmap) | Anyone wanting an AI CFO to consolidate their financial life |
| ET Money | Smart Deposit recommendations + GENIUS portfolio rebalancing (rules-based; not LLM) | Mutual funds, NPS, insurance, FDs. Direct MF plans only. | Built-in ITR e-filing for salaried; capital gains tax report | Free for investing; ₹249/mo for GENIUS | MF-first investors who want low-friction SIP + ITR filing |
| Indmoney | Auto-categorisation + rule-based alerts; INDfinity Pro tier adds research | Indian MF, US stocks (LRS), FDs, insurance, EPF tracking | Capital gains report + US tax (1099) reconciliation | Free; INDfinity Pro ₹999/yr | Investors with US-stock exposure (LRS route) + Indian MF |
| Groww | No AI assistant — straightforward broker UX | Stocks, F&O, MF, US stocks, IPO, FDs. Full SEBI-registered broker. | P&L report + capital gains report for ITR; tax-loss harvesting suggestions | Free MF; ₹20 per equity order | Self-directed equity + F&O traders |
| Cred | Limited — spend categorisation + bill reminders | Credit cards, MF (Cred Mint), rent payments | No tax tooling | Free; some paid memberships | Credit-card heavy spenders + rewards optimisers |
| Jupiter Money | Magic Spends auto-categorisation + Pots savings rules | Savings account, FDs, MF, gold, expense tracking | No ITR support | Free (federal bank account) | Neobank-first users wanting spending insights |
| Walnut 365 | SMS-based auto-categorisation (no LLM) | Expense tracking + budgeting only (not an investing platform) | No tax tooling | Free | Users who just want SMS-driven expense tracking |
We focused on Indian fintech apps with a meaningful AI or automation layer that goes beyond simple transaction download. The apps fall into four categories:
We excluded pure brokers without an AI layer (Zerodha Kite, Upstox, Angel One) — those compete on cost and execution, not on financial planning. We also excluded insurance-only apps (PolicyBazaar, Acko).
Old vs new regime comparison, 87A rebate (₹60k), Section 24 + 80C tracking, advance tax instalments, LTCG / STCG calculators. Richify ships all of these as live web tools.
EPF, PPF, NPS Tier I / II, mutual funds, stocks, F&O, real estate, gold, crypto. Indian household balance sheets span all of these — the app should too.
India's alternative to Plaid — Setu, Onemoney, Finvu, NeSL. Most Indian banks now plug into AA. Watch for app integration with the AA framework.
Section 115BBH 30% flat tax + 1% TDS under Section 194S. Apps tracking crypto should compute both correctly and not allow loss set-off (which the Act disallows).
Felix and four specialist agents — tax, investment, retirement, real estate — built for the Indian household balance sheet.
Download Richify — It's FreeDepends on what you need. For an AI-CFO experience covering tax, investment, retirement, and real estate planning together: Richify is built explicitly for that, with Felix and four specialist agents. For mutual fund SIPs + ITR filing: ET Money is the most mature. For multi-asset tracking including US stocks: Indmoney has the deepest LRS integration. For self-directed trading: Groww or Zerodha Kite. Most existing Indian apps focus on a single function (MF, broking, neobank, or expense tracking) — Richify is the multi-asset AI consolidator.
Three things. (1) Named AI agents — Felix is the CFO; specialists handle tax, investment, retirement, and real estate. ET Money and Indmoney use rules-based recommendations rather than agentic LLM workflows. (2) Multi-asset by default — Richify treats EPF, PPF, NPS, MFs, stocks, gold, real estate, and crypto as one portfolio. ET Money centres on MFs; Indmoney centres on MF + US stocks. (3) India-specific tax FY 2026-27 tools built in: income tax, advance tax, gratuity, LTCG, F&O, crypto VDA — all live calculators on the web.
The apps themselves are generally safe when they are SEBI-registered (for investing) or RBI-licensed (for payments). Always check: (1) SEBI registration number for any broker/MF platform (visible in the footer of Groww, ET Money, Indmoney, Zerodha). (2) RBI license for neobanks — Jupiter Money operates with Federal Bank, Fi with Federal Bank — your money sits in the partner bank, not the app. (3) For pure expense trackers (Walnut, Cred), avoid granting bank account password access — use SMS read permission instead, which is the standard approach in India. Richify is currently manual-entry only; Plaid integration is on the roadmap.
Not yet — Richify is manual entry only as of June 2026. Plaid is planned but not shipped. India has its own account aggregator (AA) ecosystem under the RBI framework (Setu, Onemoney, Finvu, NeSL) — when Richify ships connections, the India version will integrate via AA rather than Plaid, since Plaid has limited Indian bank coverage. Until then, you enter holdings manually and Richify maintains the portfolio + AI planning layer on top.
ET Money and Cleartax (separate app) are the two dominant ITR filing options. ET Money offers free ITR e-filing for ITR-1 (salaried) and ITR-2 (with capital gains). Cleartax handles all ITR forms including ITR-3 (business / F&O) but charges a fee for complex returns. Indmoney offers a capital-gains report you can hand to your CA but doesn't file directly. Groww provides a P&L and CG report ready for ITR. Richify provides FY 26-27 income tax + advance tax + capital gains calculators that produce ITR-ready numbers but does not file on your behalf.
Yes. Richify ships native iOS and Android apps via apps.richify.ai. The web product (richify.ai) hosts the FY 26-27 calculators, tools, and content — the apps focus on portfolio tracking, the AI CFO experience with Felix and the specialist agents, and goal setting. Both are free.
An AI CFO is a financial assistant that doesn't just track transactions — it reasons about your finances the way a Chief Financial Officer would for a company. Asks you about goals, projects scenarios (early retirement, home purchase, education funding), flags tax inefficiencies (e.g., 'you have ₹50k 80C headroom — here's a tax-saving fund'), and triages decisions ('this isn't the right time to prepay your home loan because…'). Richify implements this with Felix as the chief agent and four specialist agents (tax, investment, retirement, real-estate) that hand off to each other for domain-specific reasoning.
By 'free' (no subscription required for core features): Richify is free (premium tier in roadmap, not live as of June 2026), Groww is free for MF and ₹20/order for stocks, ET Money's basic tier is free (GENIUS is ₹249/mo), Jupiter Money is free as a savings account, and Walnut 365 is fully free for expense tracking. Cred is free but monetises via reward redemption. Indmoney has a free tier and INDfinity Pro at ₹999/year. For comprehensive AI features without paying, Richify is the only option in the AI-CFO category.