MoneyPlanned

Name

MoneyPlanned

Legal name

GSS Prosper Springs Private Limited

Website

https://moneyplanned.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Personal Finance Management Software

NAICS

Portfolio Management and Investment Advice (52394), Open-End Investment Funds (525910), Other Investment Pools and Funds (5259)

SIC

Investment Advice (6282), Finance Services (6199)

akta.pro primary industry

Savings Automation & Goal-Based Savings (FSAGADAC)

akta.pro secondary industries

Budgeting & Cash-Flow Management (FSAGADAA), Net Worth & Personal Balance Sheet Tracking (FSAGADAF), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Financial planning software
• Mutual fund distribution
• Goal-based investing
• Portfolio management platform
• Personal finance app

Headquarters

HQ city

Bangalore

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Mutual Fund Distribution Commission: MoneyPlanned earns commission from mutual fund companies (AMCs) for distributing their products. Commission rates vary by AMC and fund type, ranging from 0.02% to 1.77% for equity funds, 0.05% to 1.57% for debt funds, and 0.04% to 0.14% for liquid funds. This is disclosed transparently and stated not to influence fund recommendations.
2. Premium Subscription Plans: The platform offers premium subscription plans including monthly and annual options. Annual plans are offered at a significant discount. Premium services include Financial Plan Generator with AI, Financial Health Score Improvement with AI, Linking External Investments to Financial Goals, Portfolio Rebalancing, and Smart AI Generated recommendations against a Royalty Fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

MoneyPlanned is an AI-powered personal finance management platform delivered as web and mobile applications that helps retail investors plan, organize, and execute goal-based investments. The platform aggregates financial data from bank accounts, mutual funds, insurance, and loans into a unified view, generates AI-driven financial plans and health scores, and automatically rebalances mutual fund portfolios. As an AMFI-registered mutual fund distributor (ARN-174030), it also facilitates direct purchase of mutual fund schemes from 16 partner AMCs, and offers a separate AI-powered partner platform for financial advisors and advisory firms.

Product overview

MoneyPlanned is a unified personal finance management platform built as a web and mobile application, consisting of a core planning and investment platform plus multiple add-on modules and tools. The core platform provides self-serve and assisted financial planning (covering cash flows, assets, liabilities, net worth, goals, retirement, insurance, and tax), risk profiling with asset allocation, and portfolio rebalancing — all powered by AI for plan generation and smart recommendations. A suite of seven calculator tools (SIP, Lumpsum, SWP, Retirement, Loan EMI, CAGR, XIRR) serve as standalone planning aids. The AI for Advisors platform extends the same capabilities to professional financial advisors as a white-label/enterprise layer. Data aggregation pulls in external financial accounts, and a Will Creation service rounds out the planning suite. Premium subscription tiers (monthly and annual) gate access to AI-powered features.

Differentiator

Problem solved

Functional benefit

Products and services

• MoneyPlanned Platform (Web & Mobile App)

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature4 records

Partnerships

13 partnerships are on record, tiered core.

• Aditya Birla Sun Life Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes Aditya Birla Sun Life Mutual Fund schemes. Commission rates range from 0.30%-1.25% for equity funds, 0.10%-1.25% for debt funds, and 0.80% for ELSS funds.
• Axis Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes Axis Mutual Fund schemes. Commission rates range from 0.14%-1.77% for equity funds, 0.13%-1.57% for debt funds, and 0.90% for ELSS funds.
• Bandhan Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes Bandhan Mutual Fund schemes. Commission rates range from 0.5%-1.65% for equity funds, 0.07%-1.3% for debt funds, and 1.20% for ELSS funds.
• DSP Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes DSP Mutual Fund schemes. Commission rates range from 0.15%-1.35% for equity funds, 0.10%-0.70% for debt funds, and 0.95% for ELSS funds.
• Franklin Templeton Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes Franklin Templeton Mutual Fund schemes. Commission rates range from 0.38%-1.48% for equity funds, 0.15%-1.39% for debt funds, and 1.12% for ELSS funds.
• HDFC Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes HDFC Mutual Fund schemes. Commission rates range from 0.20%-1.35% for equity funds, 0.15%-1.10% for debt funds, and 1.00% for ELSS funds.
• HSBC Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes HSBC Mutual Fund schemes. Commission rates range from 0.20%-1.50% for equity funds, 0.20%-1.35% for debt funds, and 1.30% for ELSS funds.
• Kotak Mahindra Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes Kotak Mahindra Mutual Fund schemes. Commission rates range from 0.10%-1.63% for equity funds, 0.05%-1.28% for debt funds, and 1.32% for ELSS funds.
• SBI Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes SBI Mutual Fund schemes. Commission rates range from 0.20%-1.55% for equity funds, 0.15%-1.22% for debt funds, and 1.04% for ELSS funds.
• ICICI Prudential Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes ICICI Prudential Mutual Fund schemes. Commission rates range from 0.15%-1.35% for equity funds, 0.10%-1.10% for debt funds, and 0.95% for ELSS funds.
• Mirae Asset Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes Mirae Asset Mutual Fund schemes. Commission rates range from 0.05%-1.40% for equity funds, 0.15%-0.85% for debt funds, and 0.85% for ELSS funds.
• Nippon India Mutual FundcoreTechnology or IntegrationMoneyPlanned distributes Nippon India Mutual Fund schemes. Commission rates range from 0.17%-1.5% for equity funds, 0.05%-1.2% for debt funds, and 1.25% for ELSS funds.
• Bandhan BankcoreTechnology or IntegrationListed as a trusted banking partner for facilitating financial transactions and investments on the MoneyPlanned platform.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• INDmoney: INDmoney is a SuperMoney app offering PFM, mutual fund investing, goal-based planning, US stocks, and tax filing — directly overlapping MoneyPlanned's consumer product surface and India-only focus.
• ETMONEY: ETMONEY (Times Internet) offers goal-based financial planning, MF investing, insurance, and lending on a single platform — closely comparable to MoneyPlanned's bundled personal finance offering for Indian retail investors.
• Kuvera: Kuvera is a direct mutual fund investing platform with goal planning, tax harvesting, and financial planning tools — comparable to MoneyPlanned's goal-based, commission-disclosing, AMFI-distributor model.
• Scripbox: Scripbox provides goal-based, personalized mutual fund recommendations with financial planning — directly competing with MoneyPlanned on automated goal-based investing for Indian retail users.
• Fisdom: Fisdom offers mutual funds, stocks, PFM, and tax filing — overlapping MoneyPlanned's investing-plus-tax-plus-planning stack for Indian retail investors.

Broad incumbents

• Groww: Groww is a leading Indian retail investing platform spanning mutual funds, stocks, ETFs, and IPOs — a much larger incumbent that offers overlapping goal-based MF investing and dwarfs MoneyPlanned on distribution and brand.
• Paytm Money: Paytm Money (part of One97/Paytm group) offers mutual funds, stocks, NPS, and wealth services — a broad incumbent with comparable MF distribution and significantly larger user base than MoneyPlanned.
• Zerodha (Coin): Zerodha's Coin is India's largest direct mutual fund platform by AUA, offering goal-based and SIP-based MF investing — a much larger incumbent directly competing in MoneyPlanned's core product category.

Emerging players

• Smallcase: Smallcase is a thematic and model portfolio platform for Indian retail investors; it overlaps with MoneyPlanned's portfolio construction and rebalancing capabilities, though its core offering is stock baskets rather than mutual fund goal planning.
• Jar: Jar is a digital gold and savings automation app targeting Indian Gen Z and millennials — overlapping with MoneyPlanned's goal-based savings and young-investor persona, though focused on gold rather than mutual funds.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/money_planned
• Facebookfacebook.com/moneyplanned.india
• LinkedInlinkedin.com/company/moneyplanned

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MoneyPlanned