Independent & Transparent
How we make money
A simple, honest business model. We earn only when families and financial professionals pay for our software. Nothing else.
1. Subscriptions from families (Plus)
Most families use Sampatti Planner free forever. When a household wants higher capacity or extra convenience, they upgrade to Sampatti Planner Plus for ₹1,199 / year (or ₹149 / month). A household that has never paid before pays ₹799 for its first year.
- • One subscription covers the whole household — partners, parents, and children.
- • Charges for software capacity (unlimited goals, longer forecasts) and convenience (CSV import, monthly review summaries).
- • Prepaid; never renews automatically. No card stored, no surprise charges.
- • No GST added — you pay exactly the stated price.
2. Subscriptions from professionals
Professionals who look after several families — such as mutual fund distributors and Chartered Accountants — use the Family finance partner plans.
- • Starter: free for up to 2 client households.
- • Professional: ₹4,999 / year (10 client households, includes Plus for all clients).
- • Practice: ₹14,999 / year (40 client households, team logins coming soon, includes Plus for all clients).
- Sampatti Planner does not verify professional registrations.
What we will never do
Our revenue model aligns our incentives with yours. If we don't earn from you, you are the product. We reject that model.
No distributor commissions or referral kickbacks
We do not sell mutual funds, insurance policies, or loans. We receive exactly ₹0 from asset management companies, banks, or insurers. There are no affiliate links and no hidden distributor cuts.
No selling, renting, or sharing your data
Your financial numbers belong to your family. Sensitive fields (names, incomes, expenses, assets, loans, notes) are stored encrypted with AES-256-GCM, with the keys kept apart from the database. Our admins never see your figures: the admin console shows account and billing details only.
No advertising or sponsored placements
You will never see banner ads, intrusive popups, sponsored credit card recommendations, or paid product rankings on our platform.
No advice fees disguised as software
Under SEBI regulations, charging for personalised investment advice requires formal registration. Sampatti Planner charges purely for software capacity and convenience. All calculators, suggestions, and educational asset-mix estimates remain 100% free for everyone.
Essential rights are always free
We will never put fundamental safety or personal data rights behind a paywall: