About Mr. Fino

A straight answer about your own money.

Most people in India do not have a chartered accountant on speed dial, and the free tools that promise one usually end in a call from somebody selling a policy. Mr. Fino is the opposite of that: one honest number, the reasoning behind it, and the next thing actually worth doing — with nothing to buy at the end.

Why we built it

Household finance deserves better tooling.

Personal finance here arrives buried under jargon, commission and spreadsheets. The advice you can get for free is usually advice somebody is paid to give, and the advice you pay for assumes you already know where you stand.

So we started at the beginning. Seven questions, answered in plain terms, turned into a score out of 100 — computed on our servers against a rubric we publish, not guessed at. Then the ladder tells you which single thing to fix next, in the order that protects the people who depend on you.

We are a small, independent team of engineers and analysts. Nobody here earns a commission on what you decide to do.

The method

Five pillars, one hundred points.

Every point is traceable to something you told us, and the weights are the same for everyone.

SavingsWhat you keep out of what you earn.25
DebtWhat your EMIs take before anything else can.20
Emergency cushionHow long you could last without income.20
ProtectionWhether your family survives your income stopping.20
InvestmentsWhether anything is compounding for you yet.15
Total100
Read the full method →
Where we draw the line

The things we will not do, whatever it costs us.

No ads. We never sell your data.
No bank-login screen-scraping — you tell us what you want to share.
Every score is computed server-side, against a transparent rubric.
Most of the internal console shows only whether a field was filled, never what it says. The one screen that shows a figure is logged every time it is opened.
We do not sell insurance or investments, so no answer here is worth money to us.
The company

Who is behind it.

Mr. Fino™ is a division of RxT, which is affiliated with and holds rights under RETURNX EDUMODE LLP, registered in Chennai, Tamil Nadu, India. Questions, complaints and the occasional bug report all reach a person at hello@mrfino.com.

Find out where you actually stand.

Seven questions, two minutes, no documents and no bank login. Your score is free and always will be.