Can I use AI to plan my personal finances and investments?

Yes for the arithmetic and the explaining, no for deciding what to buy. ChatGPT, Claude or Gemini can turn your spending into a monthly budget, work out what a SIP might grow to at a given return, compare two funds' expense ratios, explain the old and new tax regimes, or list questions to ask an adviser. Give it numbers, not your PAN, account numbers or passwords. If you hold investments with Zerodha, its free Kite MCP lets Claude read your own portfolio and answer questions about it. Check every rate and rule it quotes against the fund house or the Income Tax Department's own calculator, because models can be out of date. For a recommendation of what to buy, use a SEBI-registered investment adviser (SEBI's register lists over a thousand), and ignore any video of a famous investor tipping stocks: BSE has warned of a deepfake of its own chief.