Your AI Financial Copilot
for Smarter Money Decisions.
Most people discover financial problems years too late. Fiiuno continuously monitors your finances, detects risks before they compound, and tells you exactly what to do next.
Upload any document — salary slip, bank statement, tax return. Your intelligence score and action plan in 60 seconds.
Not a calculator. An agent that watches your money for you.
Fiiuno continuously monitors, analyzes, and improves your financial health — 24/7, not just when you open the app.
Most people discover financial problems
years too late.
Your finances should not depend on memory, spreadsheets, or luck. The wealthy have advisors. Everyone else has confusion.
of Indians have never reviewed their finances — not once
The system was never built for them. It profits from their confusion.
India's household savings rate — a 50-year low (RBI 2025)
Fees buried in fine print, missing SIPs, wrong tax regime. Silent wealth destroyers.
expect greater financial uncertainty in the next 5 years
Most are guessing what to do. Guessing is not a strategy.
Not a calculator. Not a tracker. An autonomous financial intelligence platform that understands your income, your goals, your India — and tells you what to do.
The gap nobody filled — until now
Bank apps show your balance. Groww tracks your SIPs. CAs charge Rs.5,000 per session. None of them tell you: your score is 64/100, your EMI ratio is too high, fix this first.
Who Fiiuno is built for
If you earn a salary, run a business, or simply want clarity on your money — this was built for you.
One Platform. Five Intelligence Layers.
Not a collection of calculators. An integrated intelligence ecosystem that understands how every financial decision affects every other.
Detects underperforming SIPs, missing investments, and portfolio concentration risks.
Compares regimes, finds deductions you missed, and tells you exactly what to claim.
Uncovers policies draining your returns and flags coverage gaps before they matter.
Flags when your EMI burden is too high and tells you the optimal prepayment move.
Models your financial future across 10-30 year horizons with real India-specific data.
Set it up once. Your Agent handles the rest.
No ongoing effort. No manual reviews. Just intelligence, continuously working for you.
Share your financial picture
Enter basic numbers securely — no documents, no bank login required. Takes 3 minutes.
Intelligence runs instantly
Your Agent scans every dimension — income, debt, investments, insurance — and scores them automatically.
Get your exact next move
No guessing. No generic advice. A clear, prioritized action plan specific to your numbers.
Free now. More coming soon.
We're building in public. Core tools are free during beta. Advanced modules roll out progressively — early users get priority access.
No card · No bank login · Delete anytime
Sign up now · Be first when it launches
Exclusive pricing · First access · Help shape the product
Where every finance app sits — and where we don't
No competitor combines: works from any document + gives a clear action plan + built for India's salaried middle class.
Real feedback from real users
"Got my financial health score in under 2 minutes. The EMI ratio breakdown was an eye-opener — I had no idea I was over-leveraged until I saw it clearly laid out."
"Finally a tool built around Indian salaries and instruments — SIPs, NPS, HRA. The tax regime comparison was genuinely useful. Saved me time I would have spent on a CA visit."
"The financial health scoring methodology is sound — covers EMI ratio, emergency fund, insurance coverage, and investment rate. Good starting point for anyone who wants a quick health check."
AI-powered. Finance-first. Built for India.
Fiiuno combines deep financial domain expertise with modern AI infrastructure — purpose-built for the Indian financial system, not adapted from a Western model.
Your data belongs to you. Not us.
We built Fiiuno with one rule: we earn from subscriptions, not from your data.
Frequently Asked Questions
Everything you need to know before you start.
India's First AI Financial Health Platform
Fiiuno is an AI-powered financial intelligence platform built exclusively for Indian salaried professionals, business owners, and first-time investors. Architected from the ground up around the Indian financial system — SIPs, NPS, HRA, Section 80C, IRDAI insurance norms, and RBI-defined debt ratios.
The Mission
400 million Indians have no access to financial guidance. Fiiuno exists to close this gap — giving every Indian the financial intelligence previously available only to the wealthy with access to professional advisors.
The Methodology
Financial health is measured across five dimensions: cash flow, investments, insurance, debt, and emergency fund. Each scored 0-100 using benchmarks derived from RBI guidelines, SEBI standards, and certified financial planning frameworks.
The Technology
Fiiuno uses large language models combined with deterministic calculation engines for tax (FY 2025-26), SIP projections, insurance IRR, and retirement corpus. AI generates insights; math validates them.
The Commitment
Zero commissions. Zero product sales. Revenue from subscriptions only. We succeed when you make better financial decisions — not when you buy products.
Regulatory Clarity
Fiiuno is not a SEBI-registered Investment Advisor. All outputs are informational and educational. Compliant with DPDPA 2023 and IT Act 2000. Always consult a CA or SEBI RIA for binding financial decisions.
Built in India
Built by an individual founder in Jaipur, Rajasthan. Developed in public beta with early users shaping every feature. Infrastructure: Vercel (hosting), Supabase (Tokyo region), TLS 1.3 encryption throughout.
How Fiiuno's AI Works
Fiiuno combines deterministic financial mathematics with AI-generated insights. Calculations are precise; AI adds context, anomaly detection, and natural-language explanations.
You enter your financial profile
Income, expenses, existing SIPs, insurance policies, loans, and savings. No bank login, no UPI PIN, no Aadhaar. Manual entry takes 3-5 minutes.
Technical: Data encrypted client-side before transmission. Stored in Supabase (PostgreSQL, row-level security, AES-256 at rest).
AI runs multi-dimensional analysis
Fiiuno analyzes your profile across 5 financial dimensions simultaneously — cash flow, investments, insurance, debt, and emergency fund.
Technical: Deterministic financial calculations (SIP formula, IRR, tax slabs) run server-side. AI (LLM) generates narrative insights and identifies anomalies.
Financial Health Score is generated
Each dimension receives a 0-100 sub-score. The composite score reflects your overall financial health with specific gap identification for each weak area.
Technical: Score weights: Cash Flow (20%), Investments (20%), Insurance (20%), Debt (20%), Emergency Fund (20%).
Action plan is prioritized
Not generic advice. Fiiuno ranks your financial gaps by impact — the action that improves your score the most appears first.
Technical: Priority ranking uses a marginal improvement model: for each gap, the system calculates the score delta achievable by fixing it, then orders by highest delta.
Continuous monitoring (coming)
Phase 3 introduces autonomous daily monitoring — Fiiuno watches your financial profile and alerts you before problems compound.
Technical: Planned: scheduled edge functions, threshold-based alert triggers, push notifications via web push API.
How Your Financial Health Score Is Calculated
Five equally weighted dimensions. Each scored 0-100. Benchmarks sourced from RBI guidelines, SEBI standards, and certified financial planning frameworks adapted for India.
Cash Flow Health
Weight: 20%Savings rate ≥ 20% of take-home income
Score = (Savings Rate / 20) × 100, capped at 100.
- Savings rate below 10%
- Monthly expenses exceed income
Automate savings transfer on payday. Identify top 3 discretionary expenses.
Investment Score
Weight: 20%At least 20% of take-home invested in equity/mutual funds
Score based on SIP as % of income, portfolio diversification, and asset allocation.
- No active SIP
- All savings in FD/savings account
Start a monthly SIP in an index fund. Increase by 10% each year.
Insurance Coverage
Weight: 20%Life cover = 10-15x annual income. Health cover ≥ ₹5 lakh family floater.
Score penalizes insufficient life cover, no health insurance, and traditional policies with IRR below 6%.
- No term insurance
- Only employer health cover
Buy pure term insurance. Port employer health cover to personal floater.
Debt Health
Weight: 20%EMI-to-income ratio below 40% (RBI standard)
Score drops sharply above 40% EMI ratio. Penalty for high-interest unsecured debt.
- EMI > 50% of income
- Credit card revolving balance
Prepay highest-interest loans first. Target credit card closure within 6 months.
Emergency Fund
Weight: 20%3-6 months expenses for salaried. 9-12 months for self-employed.
Score = (Liquid Savings / Monthly Essential Expenses) / Target Months × 100.
- Less than 1 month expenses liquid
- Emergency fund in locked FD
Open a dedicated savings account or liquid mutual fund. Auto-transfer monthly.
Everything Fiiuno Does — Explained
Six integrated tools. One Financial Health Score. A single action plan that tells you what to fix first.
Financial Health Score
Core IntelligenceA composite 0-100 score across five financial dimensions: cash flow, investments, insurance, debt, and emergency fund. Benchmarks calibrated for Indian salaried professionals.
↗ Score ready in 60 seconds. No bank login required.
SIP Calculator & Wealth Projector
Investment IntelligenceCalculates SIP maturity value using compound interest. Includes inflation-adjusted returns, step-up SIP modeling, and comparison against FD/PPF returns.
↗ Shows how increasing SIP by ₹1,000/month changes 10-year wealth.
Insurance Policy IRR Analyzer
Insurance IntelligenceCalculates Internal Rate of Return of endowment, money-back, and ULIP policies. Most traditional policies deliver 3-5% IRR — below inflation. Fiiuno shows the opportunity cost.
↗ Reveals hidden cost of traditional insurance policies.
Tax Optimizer — Old vs New Regime
Tax IntelligenceCompares tax liability under Old and New Regime for FY 2025-26. Inputs: gross salary, 80C, 80D, HRA, home loan interest, NPS. Output: exact tax under each regime and recommended regime.
↗ Supports all major deductions: 80C, 80D, 80CCD(1B), 24B, HRA.
Retirement Corpus Planner
Planning IntelligenceCalculates required retirement corpus based on current expenses, expected inflation, and post-retirement duration. Shows monthly SIP required today to reach corpus.
↗ Uses India-specific inflation assumptions and life expectancy data.
EMI Calculator with Prepayment Strategy
Debt IntelligenceStandard EMI calculation plus prepayment analyzer. Shows total interest saved by prepaying specific amounts and EMI-to-income ratio vs RBI benchmark.
↗ Shows exact interest saved by prepaying ₹1 lakh today.
Why You Can Trust Fiiuno with Your Financial Data
Finance is a Your Money or Your Life (YMYL) category. We hold ourselves to the highest standards of transparency, methodology accuracy, and data ethics.
Transparency
- Not a SEBI-registered advisor — stated explicitly on every page
- All AI outputs include disclaimers to consult a CA or RIA
- Revenue model: subscriptions only, zero commissions
- Founder-operated with physical address (Jaipur, Rajasthan — 302001)
Methodology
- Scoring benchmarks sourced from RBI Financial Stability Reports
- Tax calculations aligned with Income Tax Department FY 2025-26 slabs
- Insurance benchmarks from IRDAI annual reports
- EMI ratio threshold from RBI prudential norms
Data Ethics
- No bank login, UPI PIN, Aadhaar, or PAN ever requested
- No data sold to third parties
- AI processing uses anonymized inputs only
- DPDPA 2023 compliant — formal grievance mechanism active
Independence
- No mutual fund distribution license — cannot earn trail commissions
- No IRDAI license — cannot earn insurance commissions
- No advertiser relationships — zero ads on the platform
- Fiiuno actively flags bad insurance policies
How Fiiuno Protects Your Financial Data
Financial data is the most sensitive personal data that exists. We built Fiiuno with one constraint: never put users at risk.
Transport Security
- Protocol:
- TLS 1.3 (minimum TLS 1.2)
- HSTS:
- Enabled — max-age 31536000
- Redirect:
- HTTP → HTTPS enforced globally
Data Storage
- Provider:
- Supabase (PostgreSQL)
- Region:
- ap-northeast-1 (Tokyo)
- Encryption at rest:
- AES-256
- Row-level security:
- Enabled — users access only their own data
Authentication
- Provider:
- Supabase Auth
- Password hashing:
- bcrypt
- Session tokens:
- JWT (signed, short-lived)
- OAuth:
- Google OAuth 2.0 supported
What We Never Collect
- Bank credentials:
- Never requested, never stored
- UPI PIN / net banking:
- Never requested
- Aadhaar / PAN:
- Not required for any feature
Compliance
- DPDPA 2023:
- Compliant — data principal rights, consent management
- IT Act 2000:
- Compliant
- Grievance Officer:
- hello@fiiuno.com — 72-hour response SLA