BUILT BY ICAI CA · 15+ TRADEMARKS FILED · LIVE
Every business has a CFO.
Your family deserves one too.
India's first AI Personal CFO — tracks every rupee, audits every investment, optimises every tax decision. Built by a practicing Chartered Accountant. Recover ₹2-5L annually lost to untracked expenses, wrong tax regime, under-insurance, and missed deductions. Unlimited free till 30 June 2026.
No credit card · No bank linking · DPDP 2023 compliant · Built by ICAI CA
✓
Built by ICAI CA✓
Notice Protection FREE✓
India-only servers✓
DPDP 2023 compliant
Live Stock Analysis · Free Preview
Popular:
↑ Type any NSE/BSE stock symbol or pick from popular ones
VittSphere ONE is India's AI Personal CFO platform that helps Indian households track every rupee of income, audit investments across Zerodha, Upstox, and Groww, and optimise every tax decision — built by a Chartered Accountant with deep expertise across Indian taxation, GST, and capital markets. Live since April 2026 in India.
Everything in one app
The Finance Department your family deserves
Track every rupee. Audit every investment. Optimise every tax decision. Built around the three things every CFO does — Track, Analyse, Optimise — and delivered through one Indian-built app.
📊
Stock Forensic
10-tab institutional analysis. Beneish + Altman scores. Quarterly trends, peer comparison, verdict.
Live above ↑
Try free now →
📋
ITR Filing
FY 2025-26 ready. ITR-1 & ITR-2 FREE with annual plan. ITR-3 ₹1,999. CA reviewed. Notice protection FREE.
⚡ ITR season live
File ITR free →
💰
Tax Planning
Old vs New regime instant compare. 44ADA optimizer for professionals. Salary slip decoder. All sections covered.
AI optimizer
Plan your tax →
🤖
ARTHA AI Advisor
Expert CFO + CA + Investment Advisor in one. Knows your exact data. Speaks 19 Indian languages.
Personal CFO
Meet ARTHA →
🧮
Free Calculators
15 expert tools — Income Tax, HRA, Salary, Capital Gains, GST, NPS, PPF and more. FY 2025-26 & FY 2026-27 ready.
100% FREE
Try calculators →
📊
Auto-Track + Weekly MIS
Bank, brokers, credit cards — connect everything. Get a Weekly Household MIS every Monday with category-wise spend, trend alerts, and leakage flags. The Finance Department your business has — now for your family.
WEEKLY MIS
See your MIS →
📈
Capital Gains Tracker
Zerodha, Upstox, Groww — auto-import P&L. STCG/LTCG split with ₹1.25L exemption. Crypto 30% tax. Section-wise charges. ITR-ready computation in 60 seconds.
FY 2025-26 READY
Import P&L →
👨👩👧👦
HUF Tax Planning
Slab + surcharge differential calculator. Full HUF Setup (Deed + PAN + Bank + Compliance). Saves ₹2-5L annually for eligible families. Built into Family/Premium plans.
SAVE ₹2-5L
Calculate savings →
🔒 256-bit SSL encrypted
🇮🇳 India-only servers
📜 DPDP Act 2023 compliant
🏛️ ISO 27001 ready architecture
⚡ UPI / Razorpay secured payments
🛡️ 15 Trademarks filed
14+
Income types tracked
22+
Expense categories
XIRR
Real investment returns
19
Indian languages supported
FREE
Forever, no card needed
Free Tools — No Signup Needed
15 expert calculators,
built by a Chartered Accountant
Aap apni planning khud kariye — Income Tax, HRA, Capital Gains, GST aur saare important calculators FY 2025-26 and FY 2026-27 ke hisaab se. Completely free, no credit card.
Most Used
📊
Income Tax Calculator
Old vs New regime · FY 2025-26 · ₹12L rebate · Marginal relief
🏠
HRA Calculator
Metro vs Non-metro exemption · Tax-saving optimisation
💰
Salary Calculator
CTC to in-hand · PF · Gratuity · Perquisites breakdown
📈
Capital Gains
STCG · LTCG · Equity · Property · Crypto with indexation
New
🧾
GST Calculator
GST 2.0 ready · 4-slab structure (0% · 5% · 18% · 40%)
🏦
NPS Calculator
Tier-1 maturity · ₹50K extra deduction u/s 80CCD(1B)
🪙
PPF Calculator
15-year maturity · Current 7.1% rate · ₹1.5L annual
🎁
Gratuity Calculator
Years × Salary × 15/26 formula · ₹20L exemption
⏰
Advance Tax
234A/B/C interest · Quarterly installment plan
📋
TDS Calculator
All sections · Property TDS · Form 26QB amount
Save ₹2-5L
👨👩👧👦
HUF Tax Calculator
Slab + surcharge differential · 87A impact · 5-year projection
🔥 High Search
📊
SIP Calculator
Tax-aware returns · Step-up SIP · Inflation-adjusted · LTCG impact · SWP preview
View All Calculators →
⚡ All calculators · 100% free · No signup · FY 2025-26 ready
Everything in one place
Your complete financial life,
simplified by AI
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.
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
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
Pay-as-you-go
No subscription? Pay only when you need
Available for all users including Free plan. CA-team services priced honestly — no hidden fees.
⚡
Extra AI Queries
₹50
25 queries pack
Buy Now →
🔬
Extra Stock X-Ray
₹99
per report
Buy Now →
📞
CA Video Call
₹999
30-min consultation
Book Now →
📑
ITR-1 Filing
₹999
Salary income
File Now →
📋
ITR-2 Filing
₹1,999
+ Capital Gains
File Now →
📊
ITR-3 / ITR-4
₹3,499
Business / Profession
Choose & File →
💡 All prices exclusive of 18% GST. CA team review included.
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.
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
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
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
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
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
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.
Your money deserves expert attention
Start your free to use. No credit card. No bank linking. Cancel anytime.
Beta 25% OFF · Ends June 30
No card · Free Forensic on RELIANCE
Try Free →
A
Aryan from Gurugram
just ran a Forensic analysis on RELIANCE
2 mins ago