The Story Behind FUMONEY

100 Million Earners. 5% Have a Plan.

India doesn't have an investing problem. It has a financial clarity problem. We built FUMONEY to fix it.

100M+

Salaried professionals in India

40M+

Invest through SIPs

< 5%

Have a structured financial plan

People are investing. They just don't know what they're investing for.

The Problem We Saw

Financial Planning in India is Broken

People buy mutual funds before calculating their retirement corpus.

They take home loans without understanding the long-term FIRE impact.

They are chronically underinsured — and don't even know it.

They rely on Excel sheets that break the moment life changes.

Financial planning today is either expensive (human advisors), generic (basic calculators), or chaotic (spreadsheets).

There is no structured, affordable, decision-intelligent platform for middle-income India.

The Insight

People Don't Need More Products.
They Need Clarity.

A clear retirement corpus

A dynamic SIP target

A system that shows how each decision affects their future

Finance is not about products. It's about sequencing and trade-offs.
That's what we automate.

Why Now

The Perfect Storm for Financial Clarity

SIP Culture is Mainstream

Systematic investing has gone from niche to national habit.

Gen Z is Money-Conscious

The next generation wants control, not blind delegation.

FIRE Movement is Growing

Financial independence is no longer a Western-only dream.

DIY Investing is Rising

Direct mutual funds and discount brokers have democratized access.

AI Makes It Scalable

Dynamic financial modeling is now possible at consumer prices.

Demand Exceeds Supply

Financial literacy demand is at an inflection point — but tools don't exist.

What We Built

Not Another Investment App.
A Financial Operating System.

Financial Fitness Engine

Scores your financial stability across liquidity, risk coverage, debt health, savings rate, and goal coverage — one number that tells you where you stand.

Goal-Based Planning Engine

Every life goal — house, education, wedding, retirement — gets its own inflation-adjusted corpus and SIP target. No more guessing.

Decision Simulation Engine

Ask "What if I take a ₹50L home loan?" and see the exact impact on your FIRE age, monthly SIP, and retirement corpus — in seconds.

We turn financial anxiety into numerical clarity.

Ready to See Your Numbers?

Five minutes. Zero cost. Complete financial clarity. That's the FUMONEY promise.