Fi Money: Talk money with AI

epiFi Technologies Private Limited

About this app

Ever wish your AI assistant actually knew your finances? With Fi MCP, it can. Fi securely connects all your money, from bank balances to investments, into a secure, AI-optimised, and shareable format that you can upload to tools like ChatGPT, Gemini, or Claude.

Setting it up is easy once you've downloaded the Fi app. In a few taps, you can link all your finances from any platform/app — be it bank accounts, gold, stocks, real estate and anything in between — to Fi. After this, you can instantly share it with AI assistants of your choice. And then, ask any money question to get super-specific answers that matter to you.

What’s more? If you’re a coder, we have an option for you to set up your own MCP Server Configuration too. Fi MCP enables secure, encrypted transmission of your selected financial data to an AI tool of your choice. All conversations stay between you and your favourite AI, no one else.

What is Fi MCP?
Fi MCP (Model Context Protocol) helps you connect your real financial data to your favourite AI — securely and privately. It takes just a few taps to:

*Link all your finances in one place: banks, mutual funds, deposits, real estate & more
*Generate an AI-ready, optimised version of your full Net Worth
*Share it to your AI assistant (e.g. ChatGPT, Claude, Gemini)
*Ask your AI questions about your money, performance, risks, etc.
*Fi does not read, access, or see your AI chats.
*These conversations stay between you and your AI, always.

Your data; Your rules

On Fi:
*Your personal information is protected with AES 256-bit encryption & ISO 27001:2013.
*Your data is safe & you can revoke access at any time.

On Fi MCP:
*Passcode authentications via the FI MCP have a 30-minute expiry window.
*Your Fi login credentials won’t be accessible to the LLM.
*Authentication only happens on the Fi app through the TFA flow.


Need help?
Chat with our Fi Care team anytime using the in-app chat feature.

Frequently Asked Questions

Q. What can I do with this?
You can ask it anything about your money
*Connect your real-time net worth which includes investments, loans, bank balances and spends, to any AI assistant of your choice
*Ask questions about your portfolio: growth, risks, projections, optimisations
*Analyse investments, loans, and spends in any way you want

Q. Who is this for?
For anyone & everyone who wants to control and analyse their finances like never before. You can talk to your AI and seek answers and personalised insights based on your entire financial data. However, please be careful before acting on the responses, as AI-generated responses may not be complete or accurate.

Q. What AI assistants can I use?
You can upload the consolidated, AI-optimised version of your finances to your trusted AI assistants like ChatGPT, Claude, Cursor, Gemini, Perplexity or any AI assistant that allows file input can be used.

Q. What kind of financial data is included in the consolidated version of finances?
The AI-optimised, consolidated version of finances can include:
Mutual Fund Holdings and Transactions
Indian Stocks Holdings and Transactions
US Stocks Holdings and Transactions
Bank Balances and all your expenses
Existing and Closed Credit Cards
Existing and Closed Loans (home, personal, etc.)
FDs, EPF, NPS
Real estate
ESOPs and more

Q. Is my data safe?
Once you upload your Net Worth File to your AI assistant, the conversations are between you and your AI assistant and Fi is not privy to any of that information and hence, it is important that you share your data with only trusted AI assistants.

Ratings and reviews

for international students : pathetic customer service and support. it takes them ages to reply to a query. I wanted to use this as an international card as the perks were very good. my account was put on credit freeze without any proper justification and when I replied to them when they asked me for docs to resolve the issue, it took them ages to reply and in the end told me to close the account. I opted cuz of 0 forex fees , but I still haven't got my forex charges back. very disappointed

Had a very bad experience with Fi and the customer care experience they provide made me regret signing up believing they provide a very good digital experience. My account was put on permanent credit freeze without a valid reason and customer care is not ready to unfreeze or provide a valid reason why my account was blocked. They asked me to move all the funds out and close my account without any solution. Lost the trust in Fi and I wouldn't recommend anyone to go through the same hassle.

I was really disappointed with Fi. They advertise as a smart financial app but end up charging way too much. The annual fees are high, and to make it worse, they also apply extra charges for the debit card – which should be free with most banking services nowadays. There are many other apps and neo-banks offering better features at no cost. Feels like a money trap rather than a money-saving app. Not recommended!