All personal and financial data you enter is stored exclusively on servers located in India. We use AES-256 encryption for stored data and HTTPS/TLS for all data in transit. We are compliant with the Digital Personal Data Protection Act 2023 (DPDP Act).
What we collect
Name, email, mobile number for account creation
Financial data you manually enter (income, investments, EMIs)
Bank statements you upload (stored encrypted)
Usage data for improving the platform (anonymised)
What we never do
We NEVER sell your data to any third party
We NEVER use your data for advertising
We NEVER store your bank login credentials
We NEVER transfer data outside India
Your rights
You can download, correct, or delete your data anytime from Account Settings. For complete Privacy Policy visit vittsphere.com/privacy
No Refund Policy
All payments are final and non-refundable once a subscription is purchased. We encourage you to use the full 14-day free trial before subscribing — no credit card required for the trial.
Free Trial
All plans come with a 14-day free trial. No credit card needed. Explore all features completely free before deciding to subscribe.
Cancellation
You may cancel anytime. Access continues until the end of your current billing period. No further charges after cancellation. Your data remains accessible for 30 days post-cancellation for export.
Billing Errors
If you were charged incorrectly (wrong amount, duplicate charge), contact billing@vittsphere.com within 7 days with payment proof. We will investigate and respond within 5 working days.
All stored financial data — investments, income, bank statements — is encrypted using AES-256, the same standard used by banks and RBI-regulated entities.
India-Only Servers
All data is stored on servers physically located in India. We do not use any foreign cloud provider for storing user data. DPDP Act 2023 compliant.
Staff Access Controls
Our CA team members can only access data for clients specifically assigned to them. Staff login requires 3-factor authentication: User ID + Password + Aadhaar last 4 digits + Math CAPTCHA.
CA Professional Secrecy
Our CA team is bound by ICAI Code of Ethics and professional secrecy under the Chartered Accountants Act 1949 — a legal protection beyond our privacy policy.
By creating an account or using Personal CFO, you agree to these Terms of Service and our Privacy Policy.
AI Advisory Disclaimer
Our AI CFO Advisor provides general financial guidance based on your data. This is not a substitute for professional CA, legal, or financial advice. Consult a qualified professional before major financial decisions.
User Responsibilities
Provide accurate and complete information
Maintain security of your account credentials
Use the platform only for lawful purposes under Indian law
Governing Law
These terms are governed by the laws of India. Disputes are subject to exclusive jurisdiction of courts in Pune, Maharashtra.
Get a CA-backed AI advisor that tracks investments with XIRR, plans your taxes under both regimes, monitors EMIs, and tells you exactly what to do — in plain Hindi or English.
🤖 AI CFO Advisor
Your SIP is 68% in large cap. Consider shifting 20% to mid-cap for better 5-yr returns. Expected extra: ₹4.2L over 5 years based on your age and risk profile.
XIRR: 18.4% p.a.
14+
Income types tracked
22+
Expense categories
XIRR
Real investment returns
19
Indian languages supported
₹0
Cost for first 14 days
Everything in one place
Your complete financial life, simplified by AI
No more juggling Excel, multiple apps, and CA appointments. Personal CFO brings everything together with CA-quality intelligence.
📊
Net Worth Tracker
Real-time view of all assets — Zerodha, mutual funds, FDs, gold, real estate, cash. True wealth in one ring chart with historical trend.
NEW
📈
XIRR Investment Returns
Real return calculation using XIRR across all your SIPs and lump sums — not just NAV growth. Know your true annualised return vs benchmark.
🧾
Tax Planning Intelligence
AI scans income and expenses, finds every unclaimed deduction under 80C, 80D, 24b, HRA, NPS, 44ADA. Shows exact old vs new regime savings.
NEW
⚖️
Old vs New Tax Regime Planner
Side-by-side comparison of your exact tax under both regimes. AI recommends which saves more based on your specific income and deductions.
🏠
EMI & Loan Manager
Track all EMIs with principal and interest breakup. See total loan burden, foreclosure savings, refinancing opportunities, and NPA risk score.
🎯
Financial Goal Planner
Set goals — retirement, home, child education, emergency fund. AI calculates exact monthly SIP amount and optimal fund category for each goal.
🛡️
Insurance Health Check
Under-insured or over-paying? AI analyses your life, health, and term cover against actual needs, dependants, and income replacement ratio.
NEW
🔮
Retirement & FIRE Planner
Exactly how much to retire comfortably — at what age, what monthly SIP, which funds. Calculated for Indian inflation and cost of living. FIRE option included.
NEW
📑
ITR Filing Assistance
ITR-1, ITR-2, ITR-3, ITR-4 — our CA team files for you after reviewing your data. 7-step wizard with computation approval before submission.
💬
AI CFO Advisor Chat
Ask anything in Hindi, Marathi, Gujarati, Tamil, English — 19 Indian languages. CA-quality answers instantly, 24/7. No appointment, no waiting.
📱
Bank Statement Import
Upload CSV or PDF. AI auto-categorises every transaction, finds patterns, flags anomalies, and gives spending insights in plain language.
NEW
👨👩👧
Family Portfolio View
Manage your spouse's and family's portfolio together. Separate XIRR per member. Combined net worth. Tax-optimised across the family unit.
Simple setup
Up and running in 5 minutes
No bank account linking. No complex onboarding. Start with what you know.
1
Create account
Sign up free. No credit card. No Aadhaar linking. Just your name and email.
2
Enter your numbers
Add income, investments, loans, insurance. 10 minutes. Upload bank statement for auto-import.
3
Get CFO insights
Instant net worth, XIRR, tax savings, and a personalised action plan — in your language.
4
CA team backs you
Real CA team reviews, files ITR, and is available for consultation. AI + human expertise.
CA-Backed Platform
Built by a practicing Chartered Accountant, not just a developer
Most finance apps are built by engineers who understand technology but not Indian tax law. Personal CFO was founded by a CA with 7+ years in Indian taxation, GST, investments, and financial planning — after seeing the same problems every day in practice.
Every suggestion references the correct section of Income Tax Act 1961 — Sec 80C, 80D, 24b, 44ADA, LTCG, STCG and more
XIRR calculations are accurate — unlike apps that show just NAV growth or simple CAGR
All calculations use Indian financial year (April–March) and Indian numbering — Lakh, Crore, not millions
Data stored only on India servers, DPDP Act 2023 compliant — not in US or EU clouds
ICAI professional secrecy obligations apply to our CA team — your data is protected by law, not just policy
P
CA Prabhakar Kumar
ACA (ICAI Nov 2019) · Founder, VittSphere Technologies · 7+ Years · Pune
"The XIRR feature showed me my actual SIP return is 14.2%, not the 18% the app was showing. Helped me rebalance completely. Saved at least ₹2L in wrong decisions."
R
Rahul Mehta
Software Engineer, Bangalore
★★★★★
"Maine pehli baar samjha ki mera purana tax regime better hai. AI ne exactly bataya ki ₹1.2L bachenge. CA ko phone karne ki zaroorat hi nahi padhi."
P
Priya Sharma
Teacher, Lucknow
★★★★★
"Retirement planner showed I need ₹3.2L/month at retirement. The gap was shocking but now I have a clear SIP plan to fix it. This clarity is priceless."
A
Anil Joshi
Business Owner, Pune
Common questions
Everything you want to know
Is my financial data safe? +
Yes. All data is stored on servers in India only — AES-256 encryption, HTTPS everywhere, DPDP Act 2023 compliant. We never sell your data. Our CA team is bound by ICAI professional secrecy obligations. Staff login requires 3-factor authentication including Aadhaar verification.
Do I need to link my bank account? +
No bank account linking required. You can manually enter transactions or upload your bank statement as CSV or PDF. No account credentials are ever shared with us.
How is XIRR different from normal returns? +
XIRR (Extended Internal Rate of Return) accounts for the timing of every SIP installment — when you invested, how much, and when you got returns. Simple CAGR or NAV growth shown by most apps ignores this and overstates returns. Our XIRR calculation is the same methodology used by professional portfolio managers.
Is the tax advice legally accurate? +
Our platform is built by a practicing CA. All tax calculations reference the correct sections of the Income Tax Act 1961. However, use our AI advice as intelligent guidance — consult your CA for final ITR filing decisions. For ITR filing itself, our Premium plan includes CA-assisted filing.
Can I manage my family's finances? +
Yes. The Family plan supports 2 member profiles and Premium supports 5. You can track each person's investments, tax position, and goals separately — while seeing a combined family net worth and tax-optimised view across the family unit.
What is the refund policy? +
All payments are final — we have a no-refund policy. This is why we offer a full 14-day free trial — no credit card needed. Use the complete trial before subscribing.
How is this different from Groww, ET Money, or Zerodha? +
Groww and Zerodha are investment platforms — they help you buy and sell. ET Money tracks spending. Personal CFO is your financial advisor — it analyses everything across investments, taxes, loans, insurance, and tells you exactly what to do. It combines what a CA, financial planner, and wealth manager would tell you, powered by AI, starting at ₹199/month.
Your money deserves expert attention
Start your 14-day free trial. No credit card. No bank linking. Cancel anytime.