Finlio

5 August, 2026

Finlio is a personal finance teammate. One view of your money. A brief before the market opens.

I kept opening five apps to answer one question. What do I actually have.

A bank here, a broker there, something I only remember at tax time. The numbers were never missing. They were just never in the same room. I would add them up in my head, lose the thread, and tell myself I would sit down on Sunday.

Sunday rarely came.

Finlio is the thing I wanted on those nights. Not another tracker I abandon in three weeks. A quiet teammate that keeps the picture together, and taps me when something in my own money is about to matter.

I am building it as a founder and as the person who writes the code. Both jobs stay on the same desk. Beny and I started from a very ordinary frustration and talked ourselves into a product.

Why this exists

If you grew up around Indian money, you already know the split. Savings in one place, SIPs in another, EPF in a portal you visit twice a year. The apps we have are fine at showing a number. They go quiet when that number is about to change.

I did not want a dashboard that waits for me to be disciplined. I wanted something that shows up in the morning and says, in regular English, why the things I already own might move today.

That daily note is the first habit we are building toward. Small. Useful. Hard to ignore. If people keep opening it, the rest of the product has somewhere honest to grow from.

Building it

Most of my day looks like engineering. Interfaces that feel calm. Systems that do not flinch. The unglamorous work that makes software feel like it was always this simple.

The founder part is deciding what we will not build. That is the harder half. It is easy to add another screen. It is harder to keep the product feeling like one thought.

I care about how this feels to trust. Money is personal in a way a photo app is not. So the default is local, readable, and easy to take with you. The cloud is a choice, not the price of entry.

We are shipping the web product first. That is where I think, and where a full picture of money actually fits. Phones come when the thing on the desk is already good.

Where we are

Finlio is early. The site is live at finlio.app. Behind it is two people who are a bit too close to the problem, which is usually how the honest products start.

If your money lives in more than one place and you are tired of being the one who holds it together, this is for you.

I will keep making it a little more polished every week. That is the only pace I trust.