Name: Finance Guide
Rating: 4.9 (87 reviews)
Author: Soumik Majumder

Question 1

Is Finance Guide completely free to use?

Accepted Answer

Yes, 100% free. There are no hidden charges, no premium plans, and no account creation required. You can generate unlimited budget plans at no cost.

Question 2

Does Finance Guide store my salary or personal data?

Accepted Answer

No. We do not store, log, or transmit any of your personal data. Your salary, name, and family details are used only to calculate your budget in your browser and are never saved anywhere.

Question 3

How accurate is the budget breakdown?

Accepted Answer

The budget uses a weighted allocation algorithm calibrated for Indian cost-of-living realities. It accounts for your city, family size, housing type, transport, and whether you have children. It is not a certified financial plan but is a strong starting point that reflects your actual situation.

Question 4

What is the AI Financial Coach and how does it work?

Accepted Answer

The AI Financial Coach is powered by Google's Gemini AI. After your budget is generated, you can ask it questions like 'Why is my rent allocation so high?' or 'How can I increase my savings?' It answers using your actual budget numbers in simple, jargon-free language.

Question 5

What is the Poverty Escape Roadmap?

Accepted Answer

It is a personalised 6-month financial improvement plan generated by AI based on your salary and current budget. It gives you specific, actionable monthly targets — like how much to cut from food spending or how to start a recurring deposit — all using your real numbers.

Question 6

Why is the AI response sometimes slow?

Accepted Answer

Finance Guide uses Google Gemini's free tier, which allows 10-15 requests per minute. To stay within this limit and keep the app free for everyone, we space out requests automatically. AI responses typically arrive within 6-10 seconds.

Question 7

Can I download my budget plan?

Accepted Answer

Yes. Once your budget is generated, you can download it as a professionally designed PDF that includes your budget breakdown, AI summary, and Poverty Escape Roadmap (if generated). It looks just like the website — navy header, teal accents, and card layout.

Question 8

Does the budget work for all Indian cities?

Accepted Answer

Yes. The algorithm adjusts based on your city input and applies appropriate cost-of-living assumptions. Whether you are in a metro like Mumbai or a smaller city like Patna, the allocations adapt accordingly.

Question 9

What if my actual expenses are very different from the budget?

Accepted Answer

That is completely normal. The budget is a recommended plan, not a reflection of what you currently spend. The goal is to show you what a healthy allocation looks like for your income and situation, and to help you work toward it gradually.

Question 10

Can I use Finance Guide on my phone?

Accepted Answer

Yes. Finance Guide is fully responsive and works on all screen sizes — mobile, tablet, and desktop.

Question 11

Who built Finance Guide?

Accepted Answer

Finance Guide was built by Soumik Majumder, a developer passionate about making financial literacy accessible to everyone in India, especially those who have never had access to financial planning tools.

Frequently Asked Questions — Finance Guide

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