Everything we get asked, answered.

Finintel is a global decision intelligence platform for personal finance. It helps you frame, model, compare, and journal the money decisions that actually shape your life — buying a home, taking a loan, switching jobs, retiring early, protecting your downside — through structured engines, active risk monitoring, ready-to-use documents, and a free Financial Freedom Roadmap.

It is not a budgeting app, not a robo-advisor, not a brokerage. It's a thinking layer for your money — the place where the choices that compound over a decade get the structure they deserve.

Anyone making real financial decisions for themselves or their family — salaried employees, freelancers, small-business owners, expat professionals, early-stage savers, or experienced investors who want better structure around the choices ahead.

Finintel is designed to work globally from day one, with regional context for India, the Middle East, SE Asia, and major Western markets. You don't need to be a finance expert — the engines do the math, you bring the choices.

Under 60 seconds. The Quick Start asks five questions about income, savings, and your goal, then computes your Financial Freedom Roadmap — your work-optional age, FIRE corpus target, and milestones along the way. From there you can explore deeper engines, run scenarios, or generate documents as real decisions show up.

No. Finintel runs in your web browser at app.finintel.app — no installation needed. It's also a Progressive Web App, so you can "install" it from your browser to your phone's home screen for an app-like experience without going through any app store.

Short version:

• Free — Financial Freedom Roadmap, 8 quick tools, basic Budget Planner, 2 watermarked documents per month.
• Personal ($4.99/mo) — All 8 decision engines, intelligence layer, full Health Score, all 5 document systems unlimited.
• Premium ($6.99/mo) — Adds FIRE Suite (Coast/Lean/Barista/Fat), Decision Planner, unlimited AI interpretations, custom logo and signature on prints.
• Lifetime ($99 one-time, first 100 only) — Premium forever, all future features included, founding member badge.

The full feature-by-tier comparison is on the pricing page.

Yes — through our 30-day money-back guarantee. Sign up, use the full tier for as long as you need within 30 days, and if it's not for you, email us and we refund in full. No exit interview, no friction. This applies to Personal, Premium, and Lifetime alike.

The Roadmap is Finintel's free flagship feature. It computes the year you become work-optional — the age at which your investments could sustain your lifestyle without further employment income. It also shows your FIRE corpus target, the milestones along the way (Coast/Lean/full FIRE), and what your savings rate needs to be to stay on track.

It's free forever. No card, no time limit, no "starter version with the good parts paywalled." Free tier prints carry a small watermark; paid tiers don't.

Each engine takes a major financial decision and turns it into a structured comparison with three scenarios (optimistic, realistic, defensive):

• Home Buying Intelligence — buy vs rent vs hybrid analysis
• Loan Strategy Engine — borrow, prepay, or invest the difference
• Investment Portfolio Intelligence — allocation, rebalancing, fees
• Retirement Deep Dive — beyond FIRE age, including Coast/Lean/Barista/Fat
• Insurance Adequacy Engine — how much life and health cover you actually need
• Debt Payoff Strategist — avalanche vs snowball, optimised
• Emergency Fund Architect — calibrated to your real exposure
• Goal Prioritization Engine — sequence multiple goals across one wallet

All 8 engines are unlocked from the Personal tier upwards.

Four features that wrap around every engine:

• Active Risk Engine — 5 silent triggers monitor your finances continuously: emergency fund gap, debt overload, retirement shortfall, insurance under-cover, savings drift.
• FOCUS Modeller — when a risk fires, walks you through a 5-step guided resolution rather than a vague alert.
• What-If Scenarios — 5 live stress tests (income drop, job loss, rate change, market crash, major expense) you can run on any engine.
• Health Score — one number from 0–100 across 6 dimensions, tracked over time so you see your judgment improving.

A Premium-exclusive cluster of four FIRE variants beyond the classic Roadmap:

• Coast FIRE — how much you need invested today so it grows to your target without ever investing again.
• Lean FIRE — minimum corpus for a frugal retirement at a 3% withdrawal rate.
• Barista FIRE — semi-retirement modelling, combining part-time income with investments.
• Fat FIRE — luxury retirement target, 5x to 10x normal expenses.

All four pre-fill from your Freedom Roadmap and live in the Premium tier.

A Premium feature that connects multiple engines into a single coherent plan. Rather than running engines in isolation, the Decision Planner shows how today's choice cascades through everything else — how a home purchase moves your retirement age, how an emergency fund top-up adjusts your FIRE target, how a job change ripples across all dependent decisions. Nine plan types ship today: Home Purchase, Career Move, Family Planning, Loan Strategy, Retirement, Big Goal, Emergency, Investment, and Freedom.

After running an engine, you can request a plain-English interpretation that summarises what the numbers actually mean for you, what's notable, and what to consider next. Personal tier includes 1 interpretation per month; Premium and Lifetime include unlimited.

The interpretations are generated against your specific numbers, not a generic template — but they remain interpretations, not regulated advice. They reflect what a thoughtful analyst might say given the same data, framed as your own reasoning support, not a recommendation to act.

Pure-JS calculators that run in your browser without paywalls or signup walls:

• Inflation Destroyer Calculator
• Break-Even Calculator
• SIP Step-Up Calculator
• Salary Negotiation Calculator
• Loan Prepayment Slider
• Health Score (summary version)
• Financial Glossary (500 terms)
• Tax Calendar (configurable by country)

All available on the free tier.

Two reasons. First, early users are taking a bet on a product that's still proving itself, and that bet deserves a discount. Second, building a sustainable subscription business means we will move to full price ($9.99 Personal, $14.99 Premium) once usage and feedback validate the product. People who join at launch keep their launch pricing for life.

Major credit and debit cards (Visa, Mastercard, Amex), PayPal, Apple Pay, Google Pay, and other regional methods supported by our merchant of record. India users see local payment methods including UPI and netbanking. Currency is auto-detected with the option to override.

Yes, anytime. Switching from monthly to annual takes effect immediately and you receive prorated credit for the unused portion of the current month. Switching from annual to monthly takes effect at the end of your current annual period.

Yes, anytime, with prorated billing. The difference between your current plan and Premium is calculated for the remaining period of your billing cycle, and you're charged that amount immediately. Future renewals are at the Premium rate.

30 days, no questions asked, on all paid plans — including Lifetime. Email support@finintel.app within 30 days of your initial purchase and we refund in full to your original payment method. Full details in our Refund Policy.

You keep access until the end of your current billing period. After that, your account moves to the Free tier — you don't lose your data, but features outside the Free tier become read-only or locked. You can resubscribe anytime to restore full access.

Lifetime moves to its full price ($149) or gets retired entirely while we focus on subscription tiers. The 100-spot launch cap is real scarcity, not a perpetual "ending soon" gimmick. The remaining count shows in real-time on the pricing page.

Yes. Once you sign in from India (or set your country to India in account settings), you see local INR pricing tuned for the Indian market — not a direct USD conversion. Payment goes through India-friendly methods including UPI, netbanking, and cards.

Deliberate design choice. Bank-sync products require you to hand over login credentials, and they monetise visibility into your transactions. We chose privacy: you tell us your numbers, we never see your accounts. It also means we work everywhere — no waiting for your country's bank API integration.

All data encrypted in transit (TLS 1.3) and at rest (AES-256). Hosted on Supabase with row-level security — meaning even our team can't read your data without explicit consent. Passwords are hashed and salted (bcrypt). We follow principle-of-least-privilege access controls and have an incident response procedure for any security event.

No. Never. Not to advertisers, not to data brokers, not to "anonymized data partners." Your financial picture is yours, full stop. Our revenue comes from subscriptions and category-matched affiliate links (see our Affiliate Disclosure) — never from selling user data.

Yes, anytime. Export is available from your account settings (CSV on Personal, CSV + JSON on Premium and Lifetime). Account deletion is also self-serve; we delete or anonymise all your data within 90 days of deletion, except where retention is required by law (typically tax records).

Depending on your jurisdiction: access (a copy of your data), rectification, erasure, portability, restriction, objection to processing, and the right to withdraw consent. We respond to all such requests within 30 days. See the full breakdown in our Privacy Policy.

Two reasons. First, Finintel is for adults (18+), and your birth year confirms that — this protects us and you under data-protection laws like GDPR and India's DPDP Act. Second, the Financial Freedom Roadmap and several engines need your age to compute things like your work-optional age and FIRE corpus target. We deliberately ask for the year only, not the full date of birth, in line with our data-minimisation principle — we don't collect what we don't need.

No. Zero advertising trackers, no Meta Pixel, no Google Ads tags, no LinkedIn Insight, no TikTok Pixel. Only privacy-respecting aggregated analytics with no individual profiling. Full breakdown in our Cookie Policy.

Yes — that's the whole point. Finintel is built global from day one. Currency is configurable. Tax assumptions and document templates are region-aware. We have explicit context for India, the Middle East (UAE, Saudi Arabia, Qatar, etc.), SE Asia (Singapore, Malaysia, Indonesia, Vietnam, Philippines), the UK, US, EU, Canada, and Australia.

For supported countries, yes — income tax, capital gains, retirement account treatment, common deductions. For countries we don't yet model deeply, you can configure assumptions manually and the engines will use those. We're expanding regional coverage continuously based on user demand.

Yes — this was a deliberate design priority. You can hold income, expenses, investments, and goals across multiple currencies, with explicit FX assumptions. NRI scenarios (Indian assets while earning in USD/AED/SGD/etc.) are first-class use cases.

Document templates are based on standard formats used in their respective domains, with India-specific and international variants where applicable. They're educational starting points, not legal advice. For high-stakes documents (partnership deeds, complex agreements), a local lawyer should review the final version. For routine documents (rent receipts, invoices, resignation letters), they're ready to use as-is in most jurisdictions.

Each 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. Switch it off if the document is for someone else or a different period. Tap any field in the preview to edit it inline. Print via PrintStudio in Small / Medium / Detailed layouts.

42 documents total across:

• Rent Management (8) — rent agreements, receipts, deposit acknowledgments, vacate notices, dispute letters.
• Employment Transition (10) — resignation, relieving, experience certificate, PF withdrawal, gratuity, offer negotiation, exit interview.
• Freelancer Complete Kit (9) — services agreements, proposals, statements of work, invoices, payment reminders, NDAs, IP assignment.
• Business Operations (8) — partnership deeds, MOU/LOI, vendor agreements, purchase orders, business cessation letters.
• Travel & Immigration (7) — visa cover letters, sponsorship, invitation letters, employment verification, visa rejection appeals.

All systems unlocked from the Personal tier upwards.

Yes — free tier prints carry a small Finintel watermark, and free tier is limited to 2 documents per month total. Personal, Premium, and Lifetime tiers include unlimited documents with no watermark. Premium and Lifetime additionally let you embed a custom logo and a drawn signature in every print.

Templates are based on standard formats used in their respective domains and jurisdictions. They are educational starting points, not legal advice. For routine documents, they're ready to use; for high-stakes ones (complex partnership deeds, large vendor contracts), have a lawyer review the final version. We make no claim that any specific template will be valid for any specific purpose in your specific jurisdiction.

Visit app.finintel.app/signup, enter your email, set a password, and verify your email. You're in. The Quick Start (5 questions) takes you from there to your Freedom Roadmap in about 60 seconds.

On the sign-in screen, click "Forgot password" and enter your email. We send a password reset link valid for 30 minutes. If the email doesn't arrive, check spam, then write to support@finintel.app.

Within 1 business day, Monday through Friday, IST hours (09:00–18:00 UTC+5:30). Most replies arrive within a few hours. Refund and billing requests are typically processed within 1–2 business days.

From your account settings, click "Delete account." We confirm via email; once confirmed, we delete or anonymise all your data within 90 days, except where retention is required by law. You can also email privacy@finintel.app with subject "Delete account" if you prefer.

Email support@finintel.app:

• Subject "Bug" with the page, browser, device, and a screenshot if possible.
• Subject "Feature request" with what you'd like and why.

We read every one. Many requests have made it into production.

A small, independent product team based in Pune, India, serving users globally. The same people who design the product also write the code and answer support emails. Read more on the about page.

No. Finintel is a decision intelligence tool — it structures your reasoning and models scenarios. It does not provide financial, investment, tax, or legal advice. For regulated advice, consult a licensed professional in your jurisdiction.

Two revenue streams. Subscriptions (Personal, Premium, Lifetime) are the primary one. Affiliate commissions — when you click a category-matched, region-relevant partner link and complete a sign-up — are secondary. Full transparency in our Affiliate Disclosure. We do not sell data, run advertising trackers, or take "data partnerships."

No. Finintel is independently built and funded. That means our incentives stay aligned with the people paying us — you — rather than chasing growth-at-all-costs metrics for an investor exit.

We hope this never becomes relevant, but we plan for it. If Finintel is wound down, we will give all users at least 90 days advance notice via email and in-app, with a full data export available to download. Your data is yours; we treat that as non-negotiable.