Your private financial vault

Every taka you own and owe, in one encrypted dashboard.

Phinio unifies your investment portfolio and loan EMIs into a single, beautifully private view — end-to-end secured and scoped to you alone.

Create your vaultSee how it works
256-bit
encrypted at rest
11 types
of assets tracked
Zero
cross-user leakage
Good evening,
Arif
Net worth▲ 8.4%
৳48,20,640
Assets ৳62,40,000 · Liabilities ৳14,19,360
Allocation
৳62.4L
invested
Stocks32%
Mutual funds24%
Gold18%
Real estate14%
Crypto12%
Car Loan · EMI 14/60
Due in 3 days
৳24,180
One vault for every asset class
StocksMutual fundsDPSSanchayapatraGoldCryptoReal estateAgro farmsSavings pots
What's inside

Two halves of your money, finally in one place.

What you own and what you owe have always lived in different apps. Phinio holds both — and shows you the number that actually matters.

Investment portfolio

Lump-sum, scheduled DPS, and flexible savings pots under one schema. Returns are computed automatically; exit values record realised P&L.

✓Auto-generated DPS installment schedules
✓Partial withdrawals & premature closure
✓Per-investment activity log

EMI management

Bank loans and credit-card EMIs with a full reducing-balance amortization schedule generated upfront — every row stored, never guessed.

✓Principal / interest split per payment
✓Upcoming · paid · overdue tracking
✓Push reminders before every due date

Unified dashboard

One net-worth snapshot — active investment values minus EMI balances — with an interactive allocation donut and upcoming dues at a glance.

✓Live net worth & overall return %
✓Tap a slice to isolate an asset type
✓Installable PWA, works offline
How it works

From scattered to settled in three steps.

1
Create your encrypted vault
Sign up with verified email. Sessions are httpOnly and every query is scoped to you alone.
2
Log what you own & owe
Add investments and EMIs once — Phinio builds the schedules and computes returns for you.
3
Watch one number that matters
Your net worth updates live, with reminders so a due date never slips past you again.
DPS · Monthly deposit
৳5,000 / 60 mo
Matures at
৳3,86,400
Home Loan amortization
42 / 120 paid
Principal ৳18,40,000Remaining ৳11,96,000
Stocks position up +12.6% since entry
৳1,98,400
Privacy by architecture

A vault, not a feed.

Phinio never sells, shares, or aggregates your data. Authorization isn't a setting — it's enforced on every single database query, so cross-user leakage is structurally impossible.

Per-query scoping
Every read filters on your profile ID. No exceptions.
Encrypted sessions
httpOnly, secure cookies via Better Auth.
Verified identity
Mandatory email verification on sign-up.
Full audit trail
Every create, update & delete is logged.

Take your money private.

Open your vault in under a minute. Free to start — your data never leaves your scope.

Create your vault