Question 1

What is Vitta?

Accepted Answer

Vitta is India's free AI-powered financial advisor. You can ask any personal finance question — about tax saving, SIP, retirement planning, mutual funds, insurance, loans, budgeting — and get personalized answers with your actual numbers. No sign-up or app download needed.

Question 2

Is Vitta really free?

Accepted Answer

Yes, Vitta is completely free. You get 20 messages per day which resets at midnight IST. There is no premium plan, no hidden charges, and no credit card required.

Question 3

Can Vitta help me choose between old and new tax regime?

Accepted Answer

Yes. Tell Vitta your salary, HRA, investments under 80C, health insurance under 80D, and NPS contributions. It calculates your exact tax under both old and new regime and tells you which one saves you more money.

Question 4

How is Vitta different from ChatGPT for financial advice?

Accepted Answer

Vitta is purpose-built for Indian personal finance. It understands Indian tax sections (80C, 80D, HRA), Indian investment products (SIP, PPF, ELSS, NPS), and calculates in rupees. ChatGPT gives generic answers. Vitta gives personalized calculations with your actual numbers.

Question 5

Can Vitta create a retirement plan for me?

Accepted Answer

Yes. Tell Vitta your age, monthly income, monthly expenses, and desired retirement age. It calculates how much corpus you need, how much to invest monthly via SIP, and which instruments to use — including FIRE planning if you want to retire early.

Question 6

Is Vitta a SEBI registered advisor?

Accepted Answer

No. Vitta is not SEBI registered. It provides educational financial guidance and calculations, not investment advice. For actual investment execution, you should use a SEBI-registered advisor or platform.

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