Finique
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Now in early access

Know where your money is going, and where your wealth is headed.

Your spending, savings and investments in one place, with every number checked.

Start free (opens Finique in a new tab) See what it does
  • No bank login needed
  • Import a statement or add by hand
  • Your data encrypted, yours to delete
  • Your net worth
  • Spending insights
  • 90-day forecast
  • What-if simulator
  • Ask Finique
  • Personal advice
  • Goal tracking
Finique's money forecast: spendable cash today, the lowest it could go, the chance of running low and a day-by-day chart of the next 90 days with good, typical and bad cases. Finique's money forecast: spendable cash today, the lowest it could go, the chance of running low and a day-by-day chart of the next 90 days with good, typical and bad cases.
Finique on a phone: net worth, assets, liabilities and unrealised gain. Finique on a phone: net worth, assets, liabilities and unrealised gain.
Bank accountsFixed depositsIndian mutual fundsNSE & BSE sharesUS shares & ETFsUS mutual fundsGold & silverEPF, PPF & NPSCryptoPropertyHome & car loans12 currencies
How it works

From a pile of transactions to a plan, in three steps

No spreadsheets and no bank passwords. Bring what you have and Finique does the maths.

1

Bring your money in

Import a bank or card statement, or add entries by hand. Add what you own and owe: market prices for funds, shares and gold update on their own.

2

Finique does the maths

Every transaction is sorted into a category, recurring bills and subscriptions are found, unusual spending is flagged and your next 90 days are simulated.

3

Decide with confidence

Get up to three specific actions, try a what-if before a big purchase, track your goals and get a weekly digest in your inbox.

Features

Clear answers about your money

Finique doesn't just show charts. It tells you what changed, what's coming and what's worth doing about it.

Insights

Spot what changed, with the evidence

A spending spike, a large first-time payment, a subscription that costs more than the rest, a charge that looks like a duplicate: Finique points them out and shows what each was compared with.

  • Computed by code from your transactions, not guessed by AI
  • Recurring bills and subscriptions found for you
  • One click to the transactions behind every finding
Money insights: an AI summary with checked numbers, anomalies such as a shopping spike, and detected subscriptions. Money insights: an AI summary with checked numbers, anomalies such as a shopping spike, and detected subscriptions.
Every finding shows its evidence
Forecast & what-if

Ask "can I afford it?" before you spend

Your next 90 days are simulated 2,000 times from your balances, scheduled bills, income and usual spending. Try a what-if and see the good case, the bad case and the chance of running low, side by side.

  • A big purchase, a new loan, a pay rise, a cancelled subscription
  • Ask in your own words or use a simple form
  • Your net worth up to 15 years ahead, with inflation and EMIs
Wealth forecast: projected net worth over 15 years with good, typical and bad cases and what it would be if nothing grew. Wealth forecast: projected net worth over 15 years with good, typical and bad cases and what it would be if nothing grew.
A projection, not a promise
Ask Finique

Ask anything. Every number is checked.

Ask about your spending, bills, goals or a purchase in plain words. Finique looks the numbers up in your own data, and any figure it can't trace back is never shown.

How much did I spend on dining in the last 3 months?

You spent ₹31,902 on dining out across 35 transactions. That's ₹1,528 less than the previous 3 months.

✓ Every number checked against your data

Ask Finique: a conversation about dining and grocery spending, each answer marked as checked against your data. Ask Finique: a conversation about dining and grocery spending, each answer marked as checked against your data.
Advice

Three things worth doing, and why

Finique works out the options from your own data, simulates what each would change, then picks the three that matter most. Each one names the merchant, category or date it's about. Open "Why?" to see the full trail.

  • Each effect simulated before it's suggested
  • Say "Not for me" and it won't come back
  • Never tells you which fund or share to buy
Money advice: three ranked actions such as capping shopping after a spike, each with its simulated effect per month. Money advice: three ranked actions such as capping shopping after a spike, each with its simulated effect per month.
AI-written, numbers checked
Wealth

Everything you own and owe, in one place

From a savings account to a sovereign gold bond, from EPF to a US index fund. Finique values it, keeps the prices fresh and shows how it all adds up.

Your net worth, today

Assets, loans and unrealised gains, split by asset class, by how quickly it becomes cash and by currency. Save snapshots by hand or automatically to watch it grow.

70+ asset & loan typesLive pricesSnapshots
Net worth: totals for net worth, assets, liabilities and unrealised gain, with a breakdown of what it's invested in. Net worth: totals for net worth, assets, liabilities and unrealised gain, with a breakdown of what it's invested in.
By the numbers

Built for the way money really works

2,000

simulated futures behind every 90-day forecast

70+

kinds of assets and loans, India and US

12

currencies, with any one as your reporting currency

3

specific actions at a time, never a wall of tips

Privacy & trust

Your money is personal. We treat it that way.

Finique is built so the AI can't make up a number and nobody can read what you wrote.

Numbers from code, not AI

Totals, forecasts and effects are computed by code. AI only phrases them, and every figure it writes is checked before you see it.

Encrypted with your own key

Descriptions, notes and merchant names are encrypted with a key that belongs to your account alone.

Identifiers masked from AI

Card and account numbers, PAN, Aadhaar, UPI IDs, phone numbers, your email and your name are masked before any AI model sees your data.

No bank passwords, ever

Finique never connects to your bank. You import a statement or type an entry, and you decide what goes in.

Stored in India

Your data lives on servers in Mumbai, under India's data protection law (DPDP Act).

Yours to take or delete

Download everything you've stored at any time. Delete your account and your data goes with it.

See your money clearly, starting today

Lite is free forever, and creating your account takes a minute. Load sample data to look around first, or bring in your own statement.

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