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FK
Making financial health
simple for every Indian
Finkoin is a personal finance platform built specifically for India. We help you understand where you stand financially and what to do next.
OUR MISSION
To give every Indian access to personalised financial guidance that was previously only available to the wealthy few.
The problem we are solving
Money disappears
Most Indians earn well but never know where their money goes. No tracking, no awareness, no plan.
No emergency fund
78% of Indians have less than 3 months of expenses saved. One health emergency can wipe out years of savings.
Wrong insurance
Most people are underinsured or have the wrong kind of insurance. LIC endowment plans instead of term insurance.
Financial advice is expensive
Good financial advisors charge ₹5,000-50,000 per year. Most Indians cannot afford this.
How Finkoin helps
01
Financial Health Check
Answer simple questions about your income, expenses, loans, and savings. No PAN. No Aadhaar. Just numbers.
02
AI-Powered Analysis
Our engine calculates your health score across 5 areas: emergency fund, insurance, debt, investments, and goals.
03
Personalised Fix Plan
Get a step-by-step action plan specific to your situation. Know exactly what to fix first and in how many months.
04
Monthly Tracking
Track your spending monthly. See where every rupee goes. Get nudged when you overspend on wants vs needs.
What we believe in
Our principles guide every decision we make.
Privacy first
We never ask for PAN, Aadhaar, or bank details. Only numbers. Always encrypted.
Education over selling
We explain every concept so you learn while you plan. Not just results — understanding.
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Built for India
Indian tax laws, Indian investment products, Indian financial realities. Not a US product adapted.
Affordable always
Core features free forever. Premium features at ₹99 — not ₹5,000/year like advisors.
AI with integrity
Our AI explains, not decides. You stay in control. We never push products for commission.
Data-driven
Every suggestion backed by calculations, not opinions. Show the math, not just the answer.
The person behind Finkoin
Himanshu Kumar Gupta
Founder, Finkoin
LinkedInMost people I know earn well and pay their EMIs on time, yet can't answer simple questions about their own money: Is my emergency fund enough? Am I under-insured? Am I investing enough to retire when I want to? The answers exist, but they are buried in jargon, spread across ten different apps, or come from someone trying to sell a policy or a fund.
I built Finkoin to be one honest place where any working Indian can see their whole money life in a few minutes: what is strong, what is at risk, and the next step to fix it. No PAN, no Aadhaar, no jargon. Every suggestion explains why, in plain language, so you can decide for yourself.
That is the idea behind Know it. Fix it. Grow it. Start with a free health check, track where your money goes, split shared costs with friends without the awkwardness, and come back each month to see your progress. If Finkoin helps one family build an emergency fund or get the right cover before they need it, it has done its job.
Disclaimer: Finkoin provides educational financial guidance only. We are not a SEBI-registered investment advisor, IRDAI-licensed insurance agent, or RBI-regulated financial entity. All analysis is algorithmic and educational. Always consult qualified professionals before making major financial decisions.
Ready to check your financial health?
Free. Takes 5 minutes. No PAN or Aadhaar needed.
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