Best AI Personal Finance
App in India 2026
Richify vs ET Money vs Indmoney vs Groww vs Cred vs Jupiter Money vs axio — AI features, asset classes, tax tooling, and pricing side-by-side.
✅ Editor's pick — multi-asset AI CFO
Richify — built for India, multi-asset by default
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 — 7-day free trialYour AI CFO for your entire financial life
Side-by-side comparison — 7 apps
Updated 25 October 2026 against each app's own website and pricing page. 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 to download · 7-day free trial | Anyone wanting an AI CFO to consolidate their financial life |
| ET Money | GENIUS portfolio advice (paid; Banayantree Services, SEBI RIA INA100006898) — rules-based, not LLM | Mutual funds, stocks, NPS, insurance, FDs, loan against MF | Capital gains statements; ITR filing no longer in its product menu (Oct 2026) | Free for investing; GENIUS is a paid subscription | MF-first investors who want low-friction SIPs |
| Indmoney | Auto-categorisation + rule-based alerts | Indian MF, US stocks (LRS), FDs, insurance, EPF tracking | Capital gains report | Free app; Indian stock trades 0.1% or ₹20 per order, whichever is lower (min ₹2); F&O ₹20 | 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 direct MFs; stocks ₹20 or 0.1% per order, whichever is lower (min ₹5) | Self-directed equity + F&O traders |
| Cred | Limited — spend categorisation + bill reminders | Credit cards, rent payments; CRED money tracks bank, MF, stocks, NPS, FD and gold via RBI's account aggregator framework | No tax tooling | Free; some paid memberships | Credit-card heavy spenders + rewards optimisers |
| Jupiter Money | Magic Spends auto-categorisation + Pots savings rules | Prepaid Jupiter Account (Amica Payment Services) plus savings accounts, FDs and cards from partner banks (Federal Bank, CSB Bank and others); MF, DigiGold, Pots | No ITR support | Free | Neobank-first users wanting spending insights |
| axio (formerly Walnut) | SMS-based auto-categorisation (no LLM) | Expense tracking + budgeting, plus Pay Later credit (not an investing platform) | No tax tooling | Free | Users who just want SMS-driven expense tracking (the Walnut app was wound down in 2024; the service continues as axio) |
How we picked these apps
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:
- Multi-asset AI consolidators — Richify, Indmoney. Track multiple asset classes in one place.
- MF-first investing — ET Money, Groww. Direct mutual fund plans, SIP automation, capital-gains statements.
- Neobanks — Jupiter Money. Savings + spending + investing in a banking-app UX.
- Spend / credit — Cred, axio (formerly Walnut). Credit card optimisation and expense tracking.
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).
India-specific features to look for
FY 2026-27 tax tooling
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.
Multi-asset by default
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.
Account Aggregator (RBI AA) support
India's alternative to Plaid — Setu, Onemoney, Finvu, NeSL. Most Indian banks now plug into AA. Watch for app integration with the AA framework.
Crypto VDA reporting
Section 115BBH 30% flat tax + 1% TDS under Section 194S (both renumbered in the Income-tax Act, 2025 from tax year 2026-27). Apps tracking crypto should compute both correctly and not allow loss set-off (which the Act disallows).
Try the AI CFO for India
Felix and four specialist agents — tax, investment, retirement, real estate — built for the Indian household balance sheet.
Download Richify — 7-day free trial❓ Frequently Asked Questions
Which is the best AI personal finance app in India for 2026?
Depends 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: 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.
What makes Richify different from ET Money / Indmoney?
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.
Are Indian AI personal finance apps safe?
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's savings accounts and cards come from partner banks such as Federal Bank and CSB Bank (its own Jupiter Account is a prepaid wallet from Amica Payment Services), and Fi has stopped opening new accounts and moved existing users to Federal Bank's FedMobile — check which licensed entity actually holds your money. (3) For pure expense trackers (axio, 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.
Does Richify support Plaid or account aggregation in India?
Not yet — Richify is manual entry only as of July 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.
Which app supports ITR e-filing in India?
As of October 2026, none of the apps compared here files your return: ET Money's product menu no longer lists ITR filing. Cleartax (a separate service) 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.
Does Richify have an Android / iOS app?
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. The apps are free to download with limited use, and a 7-day free trial unlocks the full app.
What is an AI CFO and why does Richify call itself one?
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.
What is the best free AI personal finance app in India?
By 'free' (no subscription required for core features): Groww is free for direct mutual funds and charges ₹20 or 0.1% per stock order (whichever is lower), ET Money's basic tier is free (GENIUS is a paid subscription), Jupiter Money is free as a savings account, and axio (formerly Walnut) is fully free for expense tracking. Cred is free but monetises via reward redemption.
Indmoney is free to use, with brokerage charged on stock trades. Richify is free to download with limited use, and a 7-day free trial unlocks the full app.
