Your data stays in India

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 free to use before subscribing — no credit card required for the trial.

Free Trial

All plans come with a free to use. 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.

Full Refund Policy: vittsphere.com/refund

AES-256 Encryption

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.

Full Security Policy: vittsphere.com/security

Acceptance of Terms

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.

Full Terms: vittsphere.com/terms

Real users · Real WhatsApp messages

Loved by professionals,
trusted by CAs

Beta users — CAs, salaried professionals, defense personnel, founders. Across Pune, Delhi, Gurugram, Gandhinagar, Nagpur.

CA Aryan Goel

online

today

Yaar Prabhakar, Forensic Mode dekh ke chakkar aa gaya 🔥 95 second me 10-tab analysis — Bloomberg ke barabar quality. Apne portfolio ka audit karwa raha hoon. CA practice me bhi clients ko recommend kar raha hoon.

11:42 AM ✓✓

AM Finance, UpScalio · Gurugram · CA (ICAI)

Emmanuel Dokka

online

today

Coming from banking — I know how institutional research reports look. VittSphere's Forensic Mode at ₹4 per query is genuinely a steal. Stock X-Ray for RELIANCE matched depth of our internal coverage. Sharing with my team.

10:18 AM ✓✓

BNY Mellon · Pune · Banking

Anita Prasad

online

today

Tried 3 different finance apps before this — none had ITR planning + investment tracking + AI advisor in one place. Forensic Mode is honestly better than research my MF distributor sends. Old vs New regime planner saved me ₹38K this year.

9:54 AM ✓✓

Allstate · Pune · IT Professional

Subodh Saurabh

online

today

Sir, defense personnel ke liye tax planning complex hai — pension, DA, allowances. ARTHA AI ne sab clarity di. Hinglish me sawal puchta hoon, jawab CA jaise milta hai. Premium plan worth every paisa.

8:31 AM ✓✓

Indian Air Force · Gandhinagar · Defense

Tanmay Dhayatkar

online

today

Stock X-Ray for RELIANCE was insane — institutional depth. Zerodha P&L import for capital gains saved me hours of Excel work. STCG/LTCG, charge splits — everything ITR-ready. ₹4,499 annual is no-brainer.

7:48 AM ✓✓

Allstate · Pune · Tech Professional

Also trusted by:

Gajendra Mhaske
UPS Logistics · Pune

Bineet Prasad
Nagpur

CA Arun Chaudhary
Practising CA

CA Sujeet Singh
Delhi

CA Sachin Yadav
Delhi

Industry First · VittSphere Tax™

If you get a tax notice,
we fight for you — free.

File your ITR through VittSphere ONE → if you receive ANY Income Tax notice or demand for that year, our VittSphere Tax team and CA partners handle it at zero additional cost.

✓

Notice response — Section 139(9), 143(1), 143(2), 148, 156, 245 — all assessment-level sections covered

✓

Demand handling — full assessment-level representation with documentation prep

✓

CIT(A) appeals — first appellate authority representation included

✓

CA partner coordination — practising CAs handle case end-to-end, no hidden fees

Conditions: You disclose all income honestly during filing + share all documents requested by our CA team. If you follow this — 99.9% you'll never receive a notice. If you do — we handle it free. Period.

🛡️

Notice Protection

Available on all paid ITR plans

If you file with us

Notice handling fee

₹0

Typical CA fee elsewhere

Notice handling

₹5,000-25,000

CIT(A) appeal elsewhere

Appeal representation

₹25,000-1L+

Your total saving

Up to ₹1.25 Lakh+

over typical assessment cycle

VittSphere Tax launching August 2026
80% built · Auto-enrolled for ITR filing customers

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.

👨‍👩‍👧

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.

NEW

🔬

Stock X-Ray Reports

Institutional-grade AI research on any Indian stock — fundamentals, valuation, peer comparison, technical signals, target prices. PDF download in 60 seconds.

NEW

💹

Capital Gains Tracker

ITR-ready capital gains computation. Auto-import broker P&L from Zerodha, Upstox, Groww. STCG, LTCG, tradewise charge splits — all calculated correctly per Income Tax Act.

🪙

Crypto Portfolio

Track holdings across CoinDCX, WazirX, and other Indian exchanges. Real-time INR valuation, P&L per coin, and crypto-specific 30% tax computation included.

NEW

🏛️

HUF Tax Planning

Save ₹2.5–4L/yr (slab + surcharge avoidance combined). Free calculator with your real income, plus full A-to-Z setup: eligibility, deed, PAN, bank, corpus strategy, compliance — without engaging a CA. Try free calculator →

💳

Credit Card Manager

Track multiple cards, dues, billing cycles, and rewards. AI flags missed payments, optimal pay-by-date, credit utilisation ratio, and CIBIL score impact analysis.

📊

MIS Reports & Analytics

Monthly Income Statement, P&L, cashflow trends, expense pattern analysis. Export-ready PDFs for your CA, lender, or visa applications. Built like a corporate finance dashboard.

NEW

🚨

Smart Spending Alerts

AI flags unusual transactions, subscription bloat, recurring charges you forgot, and budget breach warnings. Catch financial leaks before they hurt your goals.

⚡

Quick Entry Assistant

Add income or expense in 5 seconds via natural language. "Paid 1200 for groceries at DMart" — AI categorises, dates, and saves automatically. Even works in Hindi.

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

CA Prabhakar Kumar

ACA (ICAI Nov 2019) · Founder, VittSphere Technologies · 7+ Years · Pune

@ca.prabhakar LinkedIn

Platform Performance

Tax calculation accuracy98.4%

XIRR computation accuracy99.8%

ITR filing success rate100%

Notice Protection (VittSphere Tax)FREE for filers

Investment recommendationsCA Verified

Data security (DPDP 2023)Compliant

Indian languages supported19 languages

AI response time< 3 seconds

Trademark applications filed15 · Class 36 + 42

VittSphere Technologies Pvt Ltd · GSTIN: 27AAMCV0671P1ZL · CIN: U62099PN2026PTC253995

Honest Comparison

Why pay for multiple apps
when one does it all?

VittSphere ONE is the only product combining institutional-grade stock research + CA-backed ITR filing + AI advisor + Notice Protection — built by a practising CA.

Capability	VittSphere ONE	ClearTax	INDmoney	Smallcase	Multibagg AI
10-tab institutional stock research (95 sec)	✓	✕	✕	Basic	5-page
CA-backed ITR filing (ITR-1 to ITR-4)	✓	✓	✕	✕	✕
Free notice protection (Sec 139/143/148/156/245 + CIT-A)	✓	Paid	✕	✕	✕
AI advisor in Hinglish (19 languages)	✓	✕	Basic	✕	Basic
Zerodha/Upstox/Groww auto P&L import	✓	Manual	✓	✓	✕
STCG/LTCG split with Indian tax math (Budget 2024)	✓	✓	Basic	✕	✕
HUF tax planning & family member profiles (up to 6)	✓	Basic	✕	✕	✕
HUF full setup (Deed + PAN + Bank + Compliance)	✓	✕	✕	✕	₹15-40K via CA
Retirement & goal planner with real-money projection	✓	✕	✓	✕	✕
Built & reviewed by practising Chartered Accountant	✓	✓	✕	✕	✕
Starting price (yearly)	₹4,499/yr 25% OFF · Beta	₹2,999/yr Only ITR	₹6,999/yr	₹2,400+/yr Per basket	₹11,988/yr

Feature comparison as of May 2026 based on publicly available information from competitor websites. Prices in INR per year for similar tier. Not a SEBI-registered review.

🎉 Extended Beta — All Features 100% FREE Until 30 June 2026

🛡️ 30-DAY MONEY-BACK GUARANTEE · Built by a CA. All paid features 100% FREE until 30 June 2026.
Pro ₹499/mo · Couple ₹699/mo · Family ₹999/mo · Premium ₹1,999/mo · Forever Free tier + Pay-as-you-go add-ons available.

Simple pricing

Less than one CA consultation

All plans include free to use. No credit card required. Cancel anytime.

🛡️

30-Day Money-Back Guarantee

If our CA team doesn't save you 5x your subscription in tax/optimization in 30 days, we refund 100%. No questions asked.

Free Forever

₹0/mo

No card · Forever free

Self profile only (1 person)
Net worth tracker
Income & expense tracking
All 8 calculators + XIRR
Goals + Insurance basic check
Capital Gains tracker (manual)
Credit Card (1 card)
10 AI queries/mo
1 Bank import/mo
HUF Tax Calculator + Eligibility Wizard
Stock X-Ray reports
HUF Setup, MIS, Broker imports
ITR filing

Start Free →

Pro

₹499/mo

or ₹4,499/year (save 25%)

Self profile only (1 person)
Everything in Free
50 AI queries/mo
Bank imports (unlimited)
Stock X-Ray (2 reports/mo)
Broker P&L import (Zerodha, Upstox, Groww)
HUF Full Setup (Deed + PAN + Bank + Corpus + Compliance)
MIS Reports & Analytics PDF
Smart Spending Alerts
Old vs New Regime planner
Email support (24-48 hr)
ITR-1 + ITR-2 filing FREE (annual plan only)
+ ITR-3 add-on: ₹1,999 ₹10,000
+ ITR-4 add-on: ₹999 ₹5,000

Start Free Until 30 June →

Couple

₹699/mo

or ₹6,499/year (save 22%)

2 profiles (Self + Spouse)
Everything in Pro × 2 members
100 AI queries/mo (combined)
Stock X-Ray (3 reports/mo)
Combined couple net worth
Joint tax optimization
Insurance health check (both)
HUF Full Setup + Spouse Coordination
MIS Reports & Analytics PDF
Email support (24-48 hr)
ITR-1 + ITR-2 FREE for both (annual only)
+ ITR-3 add-on: ₹1,999/member ₹10,000
+ ITR-4 add-on: ₹999/member ₹5,000

Start Free Until 30 June →

Recommended

Family

₹999/mo

or ₹8,999/year (save 25%)

4 family profiles (3 + self)
Everything in Pro × 4 members
150 AI queries/mo (combined)
Stock X-Ray (5 reports/mo)
Combined family net worth
Cross-family tax optimization
HUF Full Setup + Multi-HUF + Partition Planner
Investment Portfolio Advisory
Retirement & FIRE Planner
Insurance health check
Email support (24-48 hr)
ITR-1 + ITR-2 FREE for all 4 (annual only)
+ ITR-3 add-on: ₹1,999/member ₹10,000
+ ITR-4 add-on: ₹999/member ₹5,000

Start Free Until 30 June →

Premium

₹1,999/mo

or ₹17,999/year (save 25%)

6 family profiles (5 + self)
Everything in Family × 6 members
300 AI queries/mo (combined)
Stock X-Ray (10 reports/mo)
CA video call (1 per quarter)
HUF Full Setup + CA Review + Audit Support
What-if scenario planner
WhatsApp financial alerts
Monthly financial health PDF
Priority support (4-8 hr)
ITR-1 + ITR-2 FREE for all 6 (annual only)
+ ITR-3 add-on: ₹1,999/member ₹10,000
+ ITR-4 add-on: ₹999/member ₹5,000

Start Free Until 30 June →

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.

What if I get an income tax notice after filing through VittSphere? +

If you file your ITR via VittSphere ONE and later receive ANY notice or demand from the Income Tax Department for that filing year, our VittSphere Tax team and CA partners handle the entire case at zero additional cost — including assessment-level notice responses (Sec 139(9), 143(1), 143(2), 148, 156, 245), demand handling, and CIT(A) first appellate authority representation. Condition: you must have disclosed all income honestly during filing and share documents as requested by our CA team. If you follow this, statistically less than 0.1% of returns receive a notice — and if you do, we fight it free. (VittSphere Tax launches Aug 2026 — auto-enrolled for all ITR filing customers.)

What is Forensic Mode and how is it different? +

Forensic Mode is our flagship stock analysis engine — produces a 10-tab institutional-grade report on any Indian stock in 95 seconds: Verdict, Valuation, Growth, Scenarios, Risk & Tax, Quarterly, Peers, News, Holders, Technical. Each tab is anchored to live Yahoo Finance data with deterministic math safety nets, sector-specific seasonality awareness, catalyst timeline (past/next/biggest trigger), PEAK/TROUGH magnitude detection, and India-specific tax computation. Comparable depth to a Motilal Oswal or ICICI Securities research report (~₹15,000) — yours at ₹4 per query inside VittSphere ONE.

Can I manage my family's finances? +

Yes. The Family plan supports 4 member profiles and Premium supports 6. 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 free to use — no credit card needed. Use the complete trial before subscribing.

How is this different from Groww, ET Money, or Zerodha? +

Groww and Zerodha are trading platforms — they help you buy and sell. ET Money tracks spending. ClearTax does ITR but no investment analysis. INDmoney tracks net worth but no CA-grade tax engine. VittSphere ONE is the only product combining institutional-grade stock research (Forensic Mode, 10 tabs in 95 sec) + CA-backed ITR filing + AI advisor + Notice Protection — all built by a practicing Chartered Accountant. Starting ₹4,499/year, less than 1 CA consultation.

Pro-level stock analysis,
built by a Chartered
Accountant — try it free

Not just stocks — your complete
Personal CFO

Loved by professionals,
trusted by CAs

If you get a tax notice,
we fight for you — free.

Built by a practicing
Chartered Accountant,
not just a developer

Why pay for multiple apps
when one does it all?

Your data stays in India

What we collect

What we never do

Your rights

No Refund Policy

Free Trial

Cancellation

Billing Errors

AES-256 Encryption

India-Only Servers

Staff Access Controls

CA Professional Secrecy

Acceptance of Terms

AI Advisory Disclaimer

User Responsibilities

Governing Law

Pro-level stock analysis,built by a CharteredAccountant — try it free

Not just stocks — your completePersonal CFO

Loved by professionals,trusted by CAs

If you get a tax notice,we fight for you — free.

Built by a practicingChartered Accountant,not just a developer

Why pay for multiple appswhen one does it all?

Pro-level stock analysis,
built by a Chartered
Accountant — try it free

Not just stocks — your complete
Personal CFO

Loved by professionals,
trusted by CAs

If you get a tax notice,
we fight for you — free.

Built by a practicing
Chartered Accountant,
not just a developer

Why pay for multiple apps
when one does it all?