A 90-day Monte Carlo forecast of your cash flow, with P10/P90 confidence bands and the simulated before → after impact of every recommendation. Plus graph-verified Bitcoin wallet risk, so you can check who you are about to pay.
Connect your accounts and FinPilot will do the heavy lifting to categorize your finances. From there, you can track, budget, collaborate, and set goals specific to you.
From your net worth to day-to-day spending and cash flow, feel confident about where you're at.
Create a budget that flexes to your needs — and not the other way around — so you can stay focused on the things that matter most.
Invite your partner to see your full picture, budget together, and reach your goals faster (and with more high fives).
From planning a vacation to a home remodel — track your goals and adjust your cash flow to make sure you stick the landing.
From your net worth to day-to-day spending and cash flow, feel confident about where you're at.
Create a budget that flexes to your needs — and not the other way around — so you can stay focused on the things that matter most.
Invite your partner to see your full picture, budget together, and reach your goals faster (and with more high fives).
From planning a vacation to a home remodel — track your goals and adjust your cash flow to make sure you stick the landing.
FinPilot operates seamlessly across desktop, tablet, and mobile. Review cash-flow projections on your laptop, or inspect safe-to-spend headroom on the go.
Paste or speak an address and get a clear verdict, backed by graph evidence you can inspect. It is a risk signal from a research dataset, not an accusation.
Wallet verdict
Illustrative example, not a real wallet
This wallet is linked to flagged addresses two hops away. Pause before sending.
यह वॉलेट दो कदम दूर चिह्नित पतों से जुड़ा है। भेजने से पहले रुकें।
Built with and integrations
Get an effortless breakdown of your finances to see where your money is going and how to improve. We notify you of important pace changes and balance alerts so you are never caught off guard.
Start your day with a quick look at your spending curve, pending transactions, and budget margin. Scrub across points to inspect daily variance.
| Date | Actual Spend | Budget Target | Variance |
|---|---|---|---|
| Oct 01 | 1800 INR | 2500 INR | 700 INR under |
| Oct 03 | 4200 INR | 5500 INR | 1300 INR under |
| Oct 06 | 9100 INR | 11000 INR | 1900 INR under |
| Oct 09 | 14800 INR | 16500 INR | 1700 INR under |
| Oct 12 | 21200 INR | 22000 INR | 800 INR under |
| Oct 15 | 26500 INR | 27500 INR | 1000 INR under |
| Oct 18 | 34200 INR | 33000 INR | 1200 INR over |
| Oct 21 | 37800 INR | 38500 INR | 700 INR under |
| Oct 24 | 42100 INR | 44000 INR | 1900 INR under |
| Oct 27 | 46900 INR | 49500 INR | 2600 INR under |
| Oct 30 | 51200 INR | 55000 INR | 3800 INR under |
Interactive Sankey flow model illustrating how monthly inflow distributes seamlessly across debt obligations, living expenses, and wealth accumulation channels.
| Category | Type | Monthly Amount | Percentage Share |
|---|---|---|---|
| Monthly Income | Level 0 | 95000 INR | 100.0% |
| Fixed Obligations | Level 1 | 46700 INR | 49.2% |
| Living & Discretionary | Level 1 | 28300 INR | 29.8% |
| Wealth & Savings | Level 1 | 20000 INR | 21.1% |
| Apartment Rent & PG | Level 2 | 28500 INR | 30.0% |
| Car Loan EMI | Level 2 | 18200 INR | 19.2% |
| Groceries & Food | Level 2 | 12400 INR | 13.1% |
| Dining & Social | Level 2 | 8500 INR | 8.9% |
| Utilities & Bills | Level 2 | 7400 INR | 7.8% |
| Mutual Fund SIP | Level 2 | 15000 INR | 15.8% |
| Emergency Reserve | Level 2 | 5000 INR | 5.3% |
Set customized targets, track automated SIP allocations, and simulate milestone achievements with live interactive progress tuning.
Target: Dec 2026 · Financial Safety
Target: Aug 2027 · Debt Elimination
Target: May 2027 · Leisure & Travel
Target: Dec 2030 · Long-Term Wealth
Explore live inflows, fixed loan obligations, and investment channels. Hover to trigger magnetic repulsion, or drag any chip with spring return physics.
Explore live reactive telemetry, intelligent auto-pilot rules, and granular cash velocity.
Your baseline resilience index outpaces 92% of peer households.
Tactile toggles for automated liquidity balance & subscription controls.
Detected 2 unused subscriptions ($38/mo)
Auto-sweep balances > $5k to 5.1% APY
Simulate cash flow dips 90 days out
Every answer is decomposed into three distinct lanes. Zero blurred claims.
Increase SIP by ₹3,000/month
78% confidenceStays well within your observed cash-flow buffer even in a below-average month.
Four specialized engines working in concert to consolidate, forecast, and optimize your wealth.
P10/P50/P90 bootstrap-resampled trajectories. Detects upcoming deficit days weeks before they strike.
Every claim is strictly delineated: Observed facts, model Predictions, and actionable Recommendations.
Simulate 8 real financial decisions: prepay loans, cancel subscriptions, or boost SIPs with live before/after deltas.
NVIDIA-hosted AI with a 100% offline rule-based mode toggle. Your financial data stays local.
Each persona is pre-loaded with 12 months of realistic transactions, distinct debt structures, and cash-flow characteristics.
₹95,000/mo salary with ₹42,000 car loan + high APR credit card balance. Needs debt avalanche strategy.
₹160,000/mo salary with home loan EMI and twin education obligations. Strong emergency fund.
₹42,000/mo salary with shared rent and student loan. Thin margin for unexpected cash shocks.
Explore real-time health scoring, 90-day cash-flow forecasting with confidence bands, simulated impact recommendations and graph-verified wallet checks now.
Live Forecast Health
Autonomous engine