MoneyPlanned

MoneyPlanned is an AI-powered financial planning and wealth management platform designed to democratize personalized financial advisory for India's emerging affluent and middle-class professionals. The company combines proprietary patented AI technology with expert financial planning methodology to automate goal-based investment planning, execution, and tracking through a mobile-first approach.

Core Products & Services

• AI-Powered Goal-Based Financial Planning – Patented AI system that creates personalized, automated financial plans based on individual income, spending patterns, goals, and risk profiles; users can explore multiple scenarios to understand how their goals can pan out with different investment strategies

• Automated Portfolio Construction & Rebalancing – AI algorithms analyze user financial situations and goals to construct tailored investment portfolios in mutual funds, ETFs, and gold; continuously monitors and automatically rebalances portfolios to stay aligned with investment strategy and changing life circumstances

• Goal Planning & Tracking Dashboard – Comprehensive interface enabling users to plan, execute, and monitor multiple financial goals (home purchase, retirement, education, vacation, car purchase) with real-time progress tracking and milestone management across all linked financial accounts

• Mutual Fund Investment Platform – Curated selection of mutual funds across asset classes with expert recommendations; integration with BSE and stock exchanges for seamless fund selection and investment execution

• Fixed Deposit & Loan Products – Direct access to Fixed Deposits from multiple banks without requiring a bank account; streamlined loan and insurance product offerings available within the app ecosystem

• Insurance & Loan Advisory – Curated insurance products (health, term life, auto, general insurance) and personal loan options available with full price transparency and zero commission charges

• Real-Time Portfolio Monitoring & Analytics – Unified dashboard consolidating all user investments, savings, and goals with real-time performance analytics, insights, and recommendations for portfolio optimization

• Expert-Assisted Advisory – Premium subscribers receive access to expert financial advisors for personalized guidance, quick goal fixes, and consultation to stay on track with financial objectives

Business Model & Revenue Streams

• Freemium Subscription Model – Free core access to goal planning, portfolio construction, and monitoring tools for unlimited users; approximately 70-80% of features available at no cost to maximize user acquisition

• Premium Subscription Tier – Paid subscription tier providing enhanced features including expert advisor consultations, advanced goal-fix capabilities, multi-account linking, and priority support; higher engagement from premium users enables upselling additional services

• Mutual Fund & Investment Commission Revenue – Primary revenue stream from AMFI commissions on mutual fund investments and product distributions (ETFs, gold investments); revenue scales with Assets Under Management (AUM) across user base

• Bank & Financial Partner Commissions – Revenue from partnerships with banks, insurance providers, and lending partners through referral commissions on fixed deposit placements, loan originations, and insurance product sales

• B2B AI Advisory Platform – WhiteLabel "AI for Advisors" solution offered to financial advisors and institutions; monetizing AI technology through licensing fees for institutions adopting MoneyPlanned's planning engine

• Assets Under Advice/Management Model – Currently managing ₹17,000 crore in planned investment goals across 200,000+ active users (doubled from 100,000 in previous year); revenue scales with growing AUM and user base

• SaaS licensing revenue – Emerging revenue from licensing AI financial planning technology to financial institutions seeking to offer automated planning capabilities to their customer base