Finny vs EvenOut

Finny works out your FIRE Age. An age when working becomes a choice, not a compulsion. It's not a random calculator, but a real plan: powered by AI, backed by SEBI-registered advisers. Finny is a personal finance app that works like your personal CFO, for you and your family. Link your accounts in under a minute, read-only, and you can disconnect anytime. First, it builds you a FIRE plan personalised to you — built on complex financial models created by our advisers and delivered with AI. It also tracks your assets and loans, updated daily, and brings in your bank transactions, tagged by category, to see exactly where your money goes. And you don't have to do it alone. You and your spouse or family can track your money together as one household. Each person downloads Finny, links their own accounts, and approves the other's access, so it's always by mutual consent on both sides. But Finny doesn't stop at showing you numbers. It gives you a plan, and tells you what to actually do. It tells you exactly how much you need to be financially independent, and how to get there. It builds your asset allocation - how much of your money to put into each kind of investment: Equity, Fixed income, Gold or New-age investments so you stay on track to your FIRE corpus. It plans for your whole family, not just you — buying a home, your children's education and future, a career break, upskilling, caring for your parents, or simply a better life for the people you love. And it stays with you, adjusting as your income, goals and life change. What we stand for: a plan, not a product. We're a SEBI-registered investment adviser, and fee-only by design as registered advisers can't earn commissions. That's unlike the bank relationship managers and mutual fund distributors who pose as advisers and charge you "nothing" up front, while taking a commission that looks small — around 1% a year — but adds up to 15–20% of your money over a 15–20 year horizon. The AI does the heavy lifting, but real people stand behind your plan. Our research team builds the framework and the financial models; AI personalises it to your numbers and your life, and delivers it to you seamlessly. Why this matters: for most Indians, the old safety nets for retirement — a government pension, or leaning on your children — won't be there. People know they need to save enough to become financially independent. What they don't know is how much is enough, when they'll get there, and what to do next. And the ground is shifting. In a world being reshaped by AI, staying employable until 60 or 65 is no longer a given, so reaching financial independence, early or not, is becoming a compulsion, not a choice. The help isn't there either. India has only about 900 registered investment advisers for hundreds of millions of people, so real, unbiased advice is out of reach for almost everyone. Most people instead get "advice" from agents who earn a commission when you buy — which is selling, not planning. The result is a country caught between advice it can't trust and advice it can't reach. Finny exists to close that gap with real financial planning, powered by AI and backed by SEBI-registered advisers, for anyone serious about financial independence. Good to know: 1. it is Free to start. Find your FIRE Age and see your full money picture at no cost. 2. Linked securely. Finny connects your accounts through the Account Aggregator framework regulated by the Reserve Bank of India (RBI) so you share data with your consent to a regulated entity and is always 100% encrypted. 3. Read-only, always. No one can never move or touch your money. 4. You stay in control. Disconnect any account whenever you want. 5. Real, regulated advice. Your plan is backed by SEBI-registered investment advisers. Take the first step toward financial independence.

EvenOut keeps track of who paid for what and works out what everyone owes — for trips, flatshares, dinners, or a single bill between two people. Add an expense, choose who it was for, and each person's share is worked out to the last cent. Balances update as you go, and when it's time to settle up the app shows exactly which payments clear them. - EVERY FEATURE, FREE No subscription, no ads, no pro tier, no feature waiting behind a paywall. Currency conversion, spending charts, search, comments, categories, offline access — all of it is simply the app. - NO LIMITS Add as many expenses as you like, today and every day. As many groups, as many people, as much history as you want to keep. Nothing counts down and nothing interrupts you to upgrade. - SPLIT IT ANY WAY Equally, by exact amounts, by percentage, by shares, or with individual adjustments. More than one person can pay for the same expense — a bill covered half in cash and half on a card is one entry, not two. - SETTLING UP, WITHOUT THE AWKWARDNESS See exactly who should pay whom. Turn on Simplify Debts and the group clears in as few transfers as possible — five people and ten small debts become two payments. Leave it off and every debt stays where it was made. Pay however you already pay each other, then record it: everyone's balance updates at once, and everyone sees the same numbers. - CHARTS THAT SHOW THE TREND Open any group and see where its money actually went — the biggest expenses, spending by category, month by month, and who paid the most. A per-member breakdown shows what each person paid alongside what each person's share came to. - YOUR SPENDING, ACROSS EVERYTHING One view for every group and every one-off split: what you have been spending on, by category, by group, and over time. This month, this year, or all of it. - SPLIT IN ANY CURRENCY One group can hold as many currencies as it needs — flights booked in euros, dinner split in dollars, rent paid in rupees, all side by side. Balances are kept per currency, so you see what you owe in each instead of one blended figure. Want a single number? One tap shows an approximate total in your own currency, and the amounts you entered stay exactly as they were. - WORKS WITH NO SIGNAL Add expenses on a plane, in a basement, halfway up a mountain. Everything saves to your phone straight away and syncs when you're back — no spinner, no waiting for a server, and two people adding expenses at once never conflict. - GROUPS, OR JUST THE TWO OF YOU A flat, a trip, a supper club, or one coffee between two people. Groups are optional, so you can share a cost with someone without setting anything up first — and a friendship isn't a two-person group, it's every shared cost between you, wherever it happened. - NOTHING HAPPENS QUIETLY Every expense, edit, payment and comment lands in a shared activity feed. If somebody changes an amount, you'll know. If somebody settles up, you'll know. No silent edits, no quiet corrections, no "I'm sure I paid you back". - ASK ABOUT ANYTHING Comment on an expense and ask right where the number is, instead of starting a group chat about it. - FIND IT LATER Search across everything — by name, person, group, amount or date. That dinner in March, the one Priya paid for, the entry with "airport" in it: all a few keystrokes away. - CLEAN, AND QUICK TO USE The figure you opened the app for is the first thing on the screen; the detail sits underneath if you want it. Native controls and gestures throughout, light and dark themes, and no clutter between you and the number you came for. EvenOut records what people owe each other. It does not move money, hold funds, or connect to your bank. Terms of Use: https://evenout.money/terms Privacy Policy: https://evenout.money/privacy