Move beyond spreadsheets. Get a crystal-clear view of your financial future with real-time monitoring and custom insights designed to protect and grow your path to Financial Independence Retire Early aka F.I.R.E.
Spending Sundays syncing 10 different accounts manually.
Not knowing how a 1% fee or a tax change shifts your retirement date.
Having data but no clear "Next Step" to actually accelerate your journey.
Smarter Steps to Financial Freedom
Answer a few simple questions or use Powerful Baniya AI to ask anything about your finances. Baniya AI analyzes your question and asks for the minimum information required to answer it. It builds your portfolio as you interact so that you don't have to provide the same info again.
Whether aiming for 'lean F.I.R.E.' or 'fat F.I.R.E.,' the first step is to estimate your overall monthly expenses. Having enough passive income to beat this number becomes your F.I.R.E. Goal. See how different F.I.R.E. strategies compare against your Expenses in next few years.
Stop guessing about your financial future. Baniya projects your net worth growth over decades, helping you understand exactly when you can reach financial independence. Track your asset allocation in real-time to ensure your portfolio stays balanced and aligned with your long-term goals.
Baniya doesn't just show you numbers; it tells you what to do with them. Get personalized, data-driven recommendations to optimize your finances. From strategies to eliminate bad debt to suggestions for portfolio rebalancing, Baniya guides you step-by-step towards wealth maximization.
We built Baniya on enterprise-grade infrastructure so you can focus on your F.I.R.E. journey without worrying about your data.
All data processing, storage, and authentication runs on Google Cloud Platform with encryption at rest and in transit, identity management, and continuous monitoring.
Powered by Google CloudYour financial institutions connect through Plaid, the industry standard trusted by millions. Baniya can only read your data — we can never move money or make transactions.
Powered by PlaidYour financial information is yours alone. We will never sell, share, or monetize your personal data with third parties. Period.
GDPR compliant from the ground up. Request a complete export or permanent deletion of all your data at any time — no questions asked.
Baniya is not a typical expense or budget planning app. It gives you insights of your current financials and help you track your FIRE journey.
Baniya User
Tips and strategies for your financial independence journey.
Have a question about your finances? Just ask. Baniya AI analyzes your connected assets and income streams to give you instant, personalized answers.
