copper
Stacker
Brick by brick, rupee by rupee.
Behavioural finance, built in India
Your money storyisn’t missing numbers.It’s missing you.
You know you should save. Then it’s the 28th, payday is two days away, and you’ve just ordered biryani again. Fingene shows you the pattern behind moments like that, so you see it coming next time.
The Scan takes five minutes. It’s optional: you can start tracking first.
Behavior Score · illustrative68
Fino · illustrative“What were you feeling just before that?”
Education only. No advice.
How it fits together
Five parts, one picture.
01Start here
The Scan
Five minutes of questions about real moments: a bonus, a sale, a family request. You get your Fingene, which is your main Gene and the one that shows up under pressure.
Read more →02Your number
Behavior Score
One number from 0 to 100, built from your own check-ins and spends. Until there's enough to go on, it says “still learning you” instead of guessing. It is not a credit score.
Read more →03What happened
Track and check-ins
Add a spend in a few taps, paste a bank SMS, or just tell Fino “chai 20, auto 60”. A 20-second check-in records how the day felt.
Read more →04Ask why
Fino
Ask why this month feels heavy and Fino answers from your own spending and check-ins. It starts as an egg, hatches after the Scan, and grows each time you check in.
Read more →05What comes next
Oracle and Envelopes
Envelopes suggested from what you actually spend, kept with one tap. The Oracle points out loops it has noticed, like spends that cluster after long days.
Read more →✦Together
One picture of you.
Each part works on its own. Together they show how you actually move around money, so you can see a pattern coming before it costs you.
Eight Genes
Which one sounds like you?
Everyone carries all eight. The Scan shows which two lead. Scroll, drag or use the arrow keys.
magenta
Wildcard
Rules are for the average case.
deep blue
Anchor
Everyone I love is standing on this.
ice cyan
Calculator
Run the numbers twice.
amber
Striver
Always one level up.
graphite silver
Vault
What's locked is safe.
coral rose
Open Hand
Money is for passing on.
violet
Chaser
There's always a better thing ahead.
Stacker1 of 8
Read about this GeneGenes are a starting point and may change as we learn. Built for India first.
Research arm
Fingene Labs
Our research arm. We write up what we think drives money behaviour in India, as working papers, before any of it is proven.
Early-stage and not yet validated. We say so on every paper.
Most of us already know what we should do with money. Then an ordinary Tuesday arrives: a tired evening, a group plan, a message from home. Fingene is built for that Tuesday.
Four ways in
Starts with you, not your bank.
No bank login. Fingene works from what you tell it: your answers, your spends, how the day felt.
The Scan
Five short levels. Your Fingene at the end.
Questions about real situations, not your personality in the abstract. You can stop after any level and pick up later. At the end, Fino hatches in your main Gene’s colour.
Read more →Level 2 of 5 · This weekIllustrative
When money feels uncertain, what do you reach for first?
Pick whichever is closest to true.Saved. Resume any time.
Track
Log spends the way you’d text a friend.
Two taps, a CSV, a pasted bank SMS, or one line to Fino: “chai 20, auto 60”. Recurring spends get logged with one tap when they’re due.
Read more →LedgerIllustrative
This week, at a glance
Chai and samosaToday, 5:12 pm
Food
−₹60
Metro top-upToday, 8:40 am
Travel
−₹500
Streaming planYesterday
Subscription
−₹199
Grocery runYesterday
Home
−₹1,240
Paste a bank message: “Rs 349.00 debited from A/c XX1234 on 12-Oct to ACME STREAM UPI. Avl bal Rs 18,240.50”
Read ₹349 · ACME STREAM · 12 Oct. Original text discarded within 24 hours.
Check-in
Twenty seconds on how the day felt.
Pick a mood, say whether a spend felt good or not. Over a few weeks this is what lets Fingene connect how you feel to what you spend.
Read more →MomentsIllustrative
Your week, day by day
8
SteadyThursday · check-in done
4
RestlessWednesday · one purchase marked as regret
7
ExcellentTuesday · savings transfer went out
Colours describe the day, never your worth.
Fino
Ask it why.
Fino sees the month’s totals, your top categories, late-night spends and repeats, so it can tell you what it actually sees. It won’t tell you what to buy.
Read more →FinoIllustrative
FinoHi. What is on your mind with money today?
Behavior Score
One number, with its working shown.
Your Home screen shows one number from 0 to 100, built from your own check-ins and spends. Two smaller figures sit next to it. Until there’s enough data, it says “still learning you” rather than make something up.
Next to the number you see how sure Fingene is and the few things that moved it, in words you would use yourself.
Home · Behavior ScoreBuilding
68/ 100
Steadier than last month. Fewer late-night spends.
The shaded band is how sure Fingene is. It narrows as you check in.
- Check-ins
- 12 this month
- Late-night spends
- 4, down from 9
- Envelopes kept
- 3 of 4
Last 12 weeks
Not your credit scoreSample values
What we hold ourselves to
Four rules we don’t bend.
Education only
Fingene won’t tell you what to buy, sell or hold. Not even as an example.
You choose what to share
Eleven separate switches. Each one says what stops working if you turn it off.
No jargon on screen
If a feature needs a formula to explain it, the formula stays in Labs.
A person reads your email
Write to support@thefingene.com and someone on the team replies. If money worries feel heavy, Tele-MANAS (14416) is free, any time.
Founding Member
Be early. Pay less. Help us build it right.
Pro for a year at a founding price. 1,000 seats in three steps, and the price steps up only as seats fill. Open now.
First 100 seats
₹1,999
Pro, one year
Next 400 seats
₹2,499
Pro, one year
Last 500 seats
₹2,999
Pro, one year
Questions
Questions people ask.
Not yet. Fingene runs in your phone or laptop browser, so there’s nothing to install. An Android app is planned for 17 November 2026. Leave your email below if you want one note when it’s out.
No. A credit score is a lender’s view of repayment history. The Behavior Score describes your recent behaviour. It is never shared with a bank or lender and cannot affect your ability to borrow.
No. Fingene is not a SEBI-registered investment adviser. It describes your patterns in everyday words and never recommends a stock, fund or any other financial product.
No. The Scan only needs your answers, and Track works with spends you add, files you import or bank SMS you choose to paste. Each kind of data you share has its own switch.
18 or older. We check at sign-up.
Android app
Want it on your home screen?
One email when the Android app is out. Nothing else.
Fingene
Find your Fingene.
Five minutes, no bank login. Prefer to skip it? Create an account and start tracking instead.