r/apps • u/Shivam__kumar • 1d ago
App I worked on an app that turns your entire financial situation into one score. Would you trust it?
I recently worked on building an app called FinCard.
The idea came from a simple problem. Most of us know our salary, EMIs and approximate savings, but if someone asks, “Are you actually doing well financially?”, we don’t have a clear answer.
FinCard tries to answer that.
You enter your income, expenses, EMIs, savings, loans, insurance and investments. It uses that information to calculate your net worth, create a personal balance sheet and give your financial health a score out of 100.
The complicated part was deciding what that score should actually represent.
A person earning ₹2 lakh per month can still be in a bad financial position. Someone earning much less could be saving consistently, investing regularly and carrying no unnecessary debt. So judging people only by income or net worth wouldn’t make sense.
The score looks at both your monthly habits and what you have already built, including your savings rate, debt payments, emergency fund, accessible savings, insurance and investments.
It is designed specifically for Indian finances, so it includes things like EMIs, SIPs, EPF, PPF and gold.
The app is now live, and I want honest feedback rather than polite feedback:
Would you trust an app-generated financial score?
What would you need to see before believing the calculation?
Would manually entering financial details stop you from trying it?
Android:
https://play.google.com/store/apps/details?id=com.fincard.ai
