Finintel brings 8 decision engines, active risk intelligence, 5 document systems, the FIRE calculator suite, and a free Financial Freedom Roadmap into one global platform — so you stop guessing on the choices that shape your next decade.
Five questions about your income, savings, and goal — and you walk away with your work-optional age, your FIRE corpus target, and the milestones along the way. The Roadmap stays free for everyone, with no credit card and no time limit. Free tier prints carry a small Finintel watermark.
Budgeting tells you what you spent. Calculators answer one question at a time. Neither helps you decide whether to buy the house, take the loan, switch the job, or stay on track for retirement — the choices that actually shape your financial life.
Knowing where last month's money went doesn't help with the choice on your mind right now. The question that keeps you up at night needs more than a pie chart.
Real financial decisions have three plausible futures — optimistic, realistic, defensive. A single projected number hides what could go wrong, and what to do about it.
Most decision tools assume one tax code, one retirement system, one currency. If you live anywhere else, you've been improvising. We built for everyone.
Each engine takes the variables that actually move your life — income, debts, goals, risk tolerance — and turns them into a structured decision you can defend a year later. Three scenarios, side by side, on every engine.
The big choices that change everything for ten years. Run them like a professional, not on intuition.
Before you grow, make sure you can't lose. Engines that pressure-test the floor of your finances.
Where the long-term wealth actually comes from. Engines that compound your decisions over decades.
Not passive dashboards. Live monitoring that catches risks before you feel them, walks you through the fix, and lets you stress-test your plan against the worst that can plausibly happen.
Eight silent triggers running quietly in the background — emergency fund gap, debt overload, savings drift, retirement shortfall, insurance under-cover, lifestyle creep, income concentration, high-cost debt. You hear about it before it bites.
When a risk fires, the FOCUS Modeller walks you through a guided 5-step resolution — not a vague alert telling you to "review your finances." Concrete actions, in order.
Five live stress tests — income drop, job loss, interest rate change, market crash, major unplanned expense. Run them on any engine. See what holds up, what breaks, what you'd need to fix.
One number, six dimensions — savings rate, EMI burden, emergency cover, insurance, investment growth, net worth trend. Tracked over time, so you can see your judgment compounding.
Resignation letters, rent agreements, freelance invoices, visa cover letters — the documents you Google at 11pm and rewrite from scratch. Pre-filled with your data, edited inline, printed clean.
Every document has a pre-fill toggle. Switch it on and Finintel auto-fills your name, employer, salary, monthly rent, business income, and other relevant fields from your profile and budget — so you don't retype them. Switch it off and enter values manually if the document is for someone else, a hypothetical, or a different period.
Tap any field in the preview to edit it inline. PrintStudio gives you three layouts — Small (single page, condensed), Medium (standard), Detailed (with all clauses and notes) — for every document. Free tier includes 2 documents per month with a small Finintel watermark; Premium is unlimited and watermark-free.
Whether you're renting an apartment, leasing a shop, raising rent on your own property, or pushing back against a deposit dispute — this is the paperwork side of having an address. Pre-filled with your monthly rent from the Budget Planner.
Joining, leaving, getting promoted, getting paid what you're worth — the moments when the right letter, sent the right way, makes a tangible financial difference. Pre-filled with your name, current employer, and primary income.
Loans, credit cards, deposits, account closures — the formal requests that protect your money and your credit history. Pre-filled with your bank account, loan details, and personal info.
Visa applications and immigration paperwork are stressful enough — the cover letters and supporting documents shouldn't be. Pre-filled with your employer, total income, and personal info.
Faulty products, broken services, denied claims, builder delays — the formal complaints and demand letters that turn customer-service runarounds into resolutions. Pre-filled with your transaction history and personal info.
Every engine output, risk report, scenario, and document supports PrintStudio — Small / Medium / Detailed layouts. Free tier prints carry a small Finintel watermark.
The free Roadmap shows your classic FIRE age. The Premium FIRE Suite goes deeper — four variants, pre-filled from your Roadmap, each modelling a different version of "work-optional."
The amount you need invested now so it grows to your full FIRE target on its own — without ever investing another rupee. The most life-changing number most people never compute.
Minimum corpus for a frugal retirement — modelled at a 3% safe withdrawal rate. For people whose freedom matters more than lifestyle inflation.
Semi-retirement — combine part-time income with investments. The corpus drops sharply when you only need to cover the gap. Often the most realistic plan.
Luxury retirement target — 5x to 10x your normal monthly expenses, supported indefinitely. The version you plan when "enough" isn't quite the right word.
A standalone decision feeds you a number. A real life decision feeds you a sequence — ten of them, in fact. The Decision Planner shows how today's choice cascades through everything else you're already planning.
Every Premium user gets ten purpose-built plans that link engines together — so a home purchase recalculates retirement, an emergency fund top-up adjusts FIRE age, and a job change cascades through every dependent decision.
Pure-JS calculators that run in your browser, no signup walls or paywalls. The kind of thing you'd Google at 9pm on a Tuesday — pinned in one place, designed to be useful.
Show what today's money will be worth in 10, 20, 30 years.
How long until a purchase, switch, or investment pays for itself.
Model annual contribution increases — the difference is huge.
What a hike now is actually worth across the next 10 years.
How much interest disappears for every extra rupee you prepay.
The 6-dimension snapshot. Full breakdown is Premium.
500 terms explained simply. Saved for offline reading.
Filing deadlines and key dates — configurable by country.
Just as important as what we did. Each of these is a deliberate design choice — not a feature gap.
We never ask for bank credentials, never read your transactions, never store account numbers. You stay in control of what we see — by design.
No advertising network integrations. No data brokers. No "anonymized" data sales. Your financial picture is yours, full stop.
The site you're reading right now has zero advertising trackers. Privacy-respecting analytics only, no cross-site profiling.
We're an intelligence tool, not a regulated advisor. We make your reasoning sharper. Decisions stay with you — where they belong.
Five questions about your income, savings, and goal. No bank login. No 200-field questionnaire. Just enough to do the math.
~ 60 secondsYour work-optional age, your FIRE corpus target, and the milestones along the way. Free forever. Share it with your partner. Start the conversation.
freeWhen a real decision shows up — buying a home, switching jobs, taking a loan — pick the engine, run the scenarios, generate the document, decide with structure instead of intuition.
when you need itLaunch pricing — locked in for early users. 30-day money-back on all paid plans, no questions asked.
Annual billing available at checkout (save another ~30% over monthly). India users see ₹ pricing in-app. All paid plans include a 30-day money-back guarantee.
No fine print, no hidden gates. Here's exactly what's in each plan.
| Feature | Free$0 forever | Premium$6.99/mo | Lifetime$99 once |
|---|---|---|---|
| Foundation | |||
| Financial Freedom Roadmap | ✓ | ✓ | ✓ |
| Budget Planner | basic | ✓ | ✓ |
| 8 free quick tools | ✓ | ✓ | ✓ |
| Financial Glossary & Tax Calendar | ✓ | ✓ | ✓ |
| 8 Decision Engines | |||
| Home Buying Intelligence | − | ✓ | ✓ |
| Loan Strategy Engine | − | ✓ | ✓ |
| Investment Portfolio Intelligence | − | ✓ | ✓ |
| Retirement Deep Dive | − | ✓ | ✓ |
| Insurance Adequacy | − | ✓ | ✓ |
| Debt Payoff Strategist | − | ✓ | ✓ |
| Emergency Fund Architect | − | ✓ | ✓ |
| Goal Prioritization Engine | − | ✓ | ✓ |
| Intelligence Layer | |||
| Active Risk Engine (8 triggers) | − | ✓ | ✓ |
| FOCUS Modeller (5-step resolution) | − | ✓ | ✓ |
| What-If Scenarios (5 stress tests) | − | ✓ | ✓ |
| Health Score (full 6 dimensions) | summary | ✓ | ✓ |
| 5 Document Systems · 42 Documents | |||
| Rental (8) | − | ✓ | ✓ |
| Employment (10) | − | ✓ | ✓ |
| Banking (6) | − | ✓ | ✓ |
| Travel (7) | − | ✓ | ✓ |
| Consumer (11) | − | ✓ | ✓ |
| Documents per month | 2 / mo | unlimited | unlimited |
| Watermark on prints | yes | ✓ removed | ✓ removed |
| Premium Exclusives | |||
| FIRE Suite — Coast / Lean / Barista / Fat | − | ✓ | ✓ |
| Decision Planner (10 plan types) | − | ✓ | ✓ |
| Global news + personalised impact | 3 / day | 10 / day + AI | 10 / day + AI |
| AI interpretations | − | unlimited | unlimited |
| Other | |||
| Data export (CSV / JSON) | − | CSV + JSON | CSV + JSON |
| Document vault | − | ✓ | ✓ |
| Founding member badge | − | − | ✓ |
| 30-day money-back | — | ✓ | ✓ |
All paid plans include a 30-day money-back guarantee. Annual billing available at checkout (save ~30%). India users see ₹ pricing in-app.
Start free, in 60 seconds. Get your Freedom Roadmap. Then unlock the full platform when a real decision shows up.