The story behind FinPal

It started as a spreadsheet

FinPal started as an Excel file. I built it to get myself out of debt, and as I played with the numbers I found there were better ways to pay things off, room to optimize, and interest I could save without making the journey any harder. That spreadsheet helped me so much that I wanted it on my phone, so I built that too. I shared it on Reddit, other people wanted it, and it grew into what FinPal is today.

Who is behind the math

I spent years in banking and then in portfolio management, after studying capital markets and quantitative finance. The precise, heavy math that decides how money really moves has always lived inside banks and investment funds. I wanted that same rigor working for regular people and their everyday money: the debts, the budgets, the goals. Not just for institutions.

Personal finance tends to get left behind, even though it is the foundation everything else is built on, and in the end it shapes the whole economy. So I built the tool I wished existed, and I held it to the same standard as the tools I used professionally. Every number is hand-crafted, precise, and yours.

Why there is no AI in it

I would not trust my own financial future to a tool that guesses, so FinPal does not guess. Every result is real, deterministic math you can check, never an answer a machine made up. If you want the full reasoning, including why an AI being talked into agreeing with you is dangerous for money, I wrote it all down in the No AI Policy.

It grows as I grow

FinPal still grows with me, through each stage of financial life. As my own finances improved, I started building the investing side: the portfolio optimization and stock analysis I used to do professionally, made for everyday people this time. As my debts keep shrinking, I keep building, and retirement planning is next: withdrawal scenarios, tax optimization, and forecasting what you will spend and draw down in the years ahead.

It helped me get out of debt. It is helping me invest. And it will be there for the parts of life I have not reached yet. As I grow, so does FinPal, and so does what it can do for you.

And today

I left banking. These days I work two weeks on, two weeks off as a heavy-duty mechanic, I took back my family's land, and I grow sweet corn. Most days I am just a guy chopping firewood.

But the taste for finance never left. When I need to forecast the costs of a season, or plan a project out on the land, I build it straight into FinPal, or add a quick free calculator to the site. So it keeps growing, sometimes in directions a usual finance app would never go. The math is just as satisfying whether I am in a suit or covered in grease.