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Free financial health score — no bank login, ready in 60 seconds

Know Your Financial Health
in 60 Seconds.

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.

No bank access needed·Zero commissions·Data never sold
Sample Financial Score
LIVE
72/100
Investments65%
Insurance55%
Debt82%
Get My Free Score →
400M
Indians with no financial guidance
5.3%
Savings rate — 50-yr low (RBI)
60s
To your intelligence score
Net Worth
Rs.24.6L
Tax Saved
Rs.18K
Monthly SIP
Rs.0
Financial Intelligence Score
Live · Updated now
ACTIVE
72
/100
Cash Flow78%
Investments65%
Insurance55%
Debt82%
LIVE INTELLIGENCE ALERTS
No SIP detected — wealth creation at risk
Rs.18,000 deduction opportunity found
No bank access required
Your data is never sold
No commissions — ever
Score ready in 60 seconds
Built for India
Cancel anytime, no lock-in
No bank access required
Your data is never sold
No commissions — ever
Score ready in 60 seconds
Built for India
Cancel anytime, no lock-in
Built for India
SEBI-Aware Methodology
DPDPA Compliant
Zero Commissions
No Product Sales
No Bank Login Required
The Reality

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.

35%

of Indians have never reviewed their finances — not once

The system was never built for them. It profits from their confusion.

5.3%

India's household savings rate — a 50-year low (RBI 2025)

Fees buried in fine print, missing SIPs, wrong tax regime. Silent wealth destroyers.

88%

expect greater financial uncertainty in the next 5 years

Most are guessing what to do. Guessing is not a strategy.

"Most Indians were never taught how money actually works. Fiiuno changes that."

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.

Why Fiiuno Exists

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.

Traditional Apps
Fiiuno
Show balances
Explain what to do next
Passive tracking
Active intelligence and alerts
Generic dashboards
Personalized analysis for your numbers
Require manual review
Autonomous 24/7 monitoring
Fragmented tools
Unified financial intelligence system
No India context
Built for Indian salaries, SIPs, HRA, NPS
Designed For

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.

Salaried Professionals
Understand your tax liability, optimise deductions, track savings rate, and plan your first investment — all in one place.
Business Owners
Separate business from personal finances. Track net worth, assess insurance gaps, and plan retirement without a CA on retainer.
First-Time Investors
No jargon. No sales pitch. Get a clear Financial Health Score and a step-by-step action plan to start investing right.
Families Planning Wealth
Plan goals together — children's education, home purchase, and retirement. See if your current savings rate will get you there.
Tax Optimisation
Compare old vs new regime, find missed deductions under 80C/80D/NPS, and calculate your exact tax liability for FY 2025-26.
Retirement Planning
Know your retirement corpus, monthly SIP needed, and whether you're on track — based on your actual income and expenses.

One Platform. Five Intelligence Layers.

Not a collection of calculators. An integrated intelligence ecosystem that understands how every financial decision affects every other.

Investment Intelligence

Detects underperforming SIPs, missing investments, and portfolio concentration risks.

SIP CalculatorReturn AnalyzerPortfolio Gap DetectorIRR Calculator
Tax Intelligence

Compares regimes, finds deductions you missed, and tells you exactly what to claim.

Old vs New RegimeDeduction OptimizerTax Savings Finder
Insurance Intelligence

Uncovers policies draining your returns and flags coverage gaps before they matter.

Policy IRR AnalyzerCoverage CheckerHidden Charges Detector
Loan Intelligence

Flags when your EMI burden is too high and tells you the optimal prepayment move.

EMI CalculatorLoan ComparisonPrepayment Strategy
Planning Intelligence

Models your financial future across 10-30 year horizons with real India-specific data.

Goal PlannerRetirement CalculatorWealth ProjectionScenario Planner

Set it up once. Your Agent handles the rest.

No ongoing effort. No manual reviews. Just intelligence, continuously working for you.

01

Share your financial picture

Enter basic numbers securely — no documents, no bank login required. Takes 3 minutes.

02

Intelligence runs instantly

Your Agent scans every dimension — income, debt, investments, insurance — and scores them automatically.

03

Get your exact next move

No guessing. No generic advice. A clear, prioritized action plan specific to your numbers.

PUBLIC BETA — FREE ACCESS

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.

PHASE 1LIVE NOW
Public Beta
Core financial intelligence — free for all beta users
₹0
Free during public beta · No card needed
Financial Health Score (full)
Dashboard & net worth tracker
SIP, EMI & tax calculators
Goal planner (up to 3 goals)
Basic AI financial analysis
FY 2025-26 tax regime comparison
Investment & loan overview
Core financial tools — no limit
Join the Beta — Free

No card · No bank login · Delete anytime

PHASE 2COMING SOON
Pro Intelligence
Full AI analysis, documents, personalized action plans
Early Access
Sign up now · Founding user pricing at launch
Full AI financial analysis & reports
Personalised action plan
Document Intelligence — upload & analyze
Portfolio & return analyzer
Tax optimizer + deduction maximizer
Insurance IRR & coverage checker
AI Assistant — unlimited messages
PDF report downloads
Get Priority Access →

Sign up now · Be first when it launches

PHASE 3FUTURE RELEASE
Autonomous Agent
Your finances — continuously monitored, 24/7
Founding Users
First access guaranteed · Exclusive pricing
Autonomous daily financial monitoring
Proactive alerts before problems happen
Wealth Projection Engine
Personalized weekly financial briefings
Full financial memory across sessions
Continuous risk analysis
Retirement planner + yearly roadmap
Agent works even when offline
Become a Founding User →

Exclusive pricing · First access · Help shape the product

🛠️
Why Public Beta?
We believe the best financial products are built with users, not for them. Beta users shape every feature, get founding-user pricing, and access new modules before anyone else. No subscriptions during beta. No surprise bills. Ever.
Join Beta — Free
Market Reality

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.

Where every finance app sits — and where we don't
Hover any dot to see what they actually do
Fiiuno
Competitors
gives clear action plan
shows data only
needs bank login
works from any document
OPEN TERRITORY
FIN
Fiiuno
intelligence · action · clarity
only one in this quadrant
CA
CA / RIA
S
Scripbox
FI
Fi / Jupiter
G
Groww
AI
Generic AI
CT
ClearTax
XL
Excel / manual
Any document
Salary slip, bank statement, tax return
Instant intelligence
0–100 score in 60 seconds
Clear action plan
Exactly what to fix — not generic advice
What users say

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."

BU
Beta User
Software Engineer, Rajasthan

"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."

BU
Beta User
Product Manager, Delhi

"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."

BU
Beta User
Finance Professional, Mumbai
Why Trust Fiiuno

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.

AI-Driven Financial Intelligence
Built on large language models fine-tuned for Indian financial context — SIP calculations, HRA exemptions, NPS deductions, and FY 2025-26 tax slabs are native to the engine, not bolted on.
Deep Regulatory Knowledge
Designed around SEBI guidelines, Income Tax Act provisions, IRDAI insurance regulations, and RBI-defined financial ratios — not generic global finance rules.
Institutional-Grade Methodology
Financial health scoring methodology derived from institutional financial planning frameworks — the same standards used in professional advisory, made accessible to every Indian household.
India-Native Architecture
Every calculation — EMI ratios, tax regime comparison, SIP gap analysis, insurance coverage check — is calibrated for Indian salary structures, Indian life stages, and Indian financial goals.
Research-Backed Insights
Market data sourced from RBI Financial Stability Reports, SEBI Annual Reports, ABSLI A-Nishchit Index, and Morgan Stanley India research — not opinion.
Zero Conflict of Interest
No commissions. No product distribution. No relationship with any mutual fund, insurance company, or bank. Revenue comes from subscriptions only.
⚠️
Important Disclaimer
Fiiuno is a financial education and planning tool. It provides calculations, analysis, and AI-generated insights for informational purposes only. It does not constitute personalised investment advice under SEBI, IRDAI, or any other regulatory framework. Always consult a SEBI-registered Investment Advisor or Chartered Accountant before making financial decisions.
Security and Privacy

Your data belongs to you. Not us.

We built Fiiuno with one rule: we earn from subscriptions, not from your data.

No bank login required
We never ask for your bank credentials, UPI PIN, or net banking access. Ever.
Your data is never sold
We have no advertisers. We earn from subscriptions only. Your data has no commercial value to us.
Delete anytime
Go to Settings then Delete Account. Your data is scheduled for permanent deletion within 30 days (you can cancel within this period). No questions.
Documents processed, not stored
Uploaded documents are analyzed in real-time for your report. We do not store documents on our servers after processing. AI analysis uses anonymized inputs only.
End-to-end encrypted
All data is encrypted in transit (TLS 1.3) and at rest. Your profile is private to you alone.
Built for India, stored in Supabase-managed servers (ap-northeast-1, Tokyo)
Your data stays on servers hosted in Northeast Asia (Tokyo, Japan) via Supabase (ap-northeast-1). Compliant with DPDPA 2023.

Frequently Asked Questions

Everything you need to know before you start.

Is Fiiuno a SEBI registered advisory service?
Fiiuno is a financial education and planning tool. It provides calculations, analysis, and educational insights based on data you enter. It does not constitute personalised investment advice under SEBI regulations. Always consult a SEBI-registered advisor for specific investment recommendations.
How is my Financial Health Score calculated?
Your score is calculated across 5 dimensions: Cash Flow (income vs expenses), Investments (SIP coverage, portfolio), Insurance (life and health coverage gaps), Debt (EMI ratio), and Emergency Fund (months of expenses covered). Each dimension is scored 0-100 and weighted to produce your overall score.
Is my financial data secure?
Yes. All data is encrypted in transit (TLS) and at rest. We do not store uploaded documents after processing. We never sell your data. You can delete your account and all data permanently from Settings at any time.
How is the AI advice generated?
Fiiuno uses AI to analyse your financial profile and generate personalised insights based on your specific numbers — income, EMI, SIP, tax liability. All AI outputs include a disclaimer to consult a CA or advisor for final decisions.
Can I delete my data?
Yes. Go to Settings then Delete Account. Your profile, financial data, and all associated records are permanently deleted within 30 days. You can cancel the deletion within this period. No questions asked.
Is Fiiuno suitable for salaried employees?
Yes — it is specifically designed for Indian salaried professionals. It understands HRA, SIPs, NPS, EPF, home loan deductions, and FY 2025-26 tax slabs. Enter your monthly salary and it auto-fills relevant calculations.
Do I need to share my bank login or UPI PIN?
Never. Fiiuno does not require bank login, UPI credentials, Aadhaar, or net banking access. You enter your financial data manually and we do the analysis.
How often should I review my finances?
We recommend a full review every quarter and a quick check monthly. Your Fiiuno dashboard updates whenever you update your profile, so your score always reflects your current situation.

88% of Indians expect more financial uncertainty.
Be the one who actually does something about it.

Fiiuno continuously analyzes your finances, detects risks, optimizes decisions, and guides your next move — powered by AI built specifically for India.

100% Private
No hidden fees
No bank access