Liquidity
34%Runway — how many months you could cover from cash and buffers.
Back to MYN LabsStable · improvingYour FSI Score
Flagship product · Live
FSI — Financial Stability Intelligence.
FSI turns the numbers you already know into a living stability score across four pillars — then layers an AI risk radar, forecasts and an action plan on top. It is not a credit score, and never investment advice.
- A live FSI Score with score-change attribution
- Risk Radar ranked by score impact
- 30 / 90 / 180-day stability forecasts
- AI Stability Coach grounded in your own numbers
- Scenario Studio — plain-language what-ifs
- Guided emergency-fund, debt and salary-allocation workflows
0out of 100
The four pillars
Leverage
30%Debt-service load and debt-stock burden, secured vs. unsecured.
Durability
21%Savings capacity after debt service, adjusted for income volatility.
Protection
15%Health and life cover measured against income-multiple benchmarks.
What's inside
Document Intelligence
Upload a bank or card statement, salary slip, Form 16 or loan statement. FSI reads it, checks it against your other documents — a payslip that disagrees with what actually reached your bank, an EMI with no loan statement behind it — and cites the page and line every figure came from. The file itself is never stored.
FSI Score
A 0–100 stability indicator across liquidity, leverage, durability and protection — a continuous, explainable model, not a black box.
Risk Radar
Active monitoring of EMI pressure, emergency-fund gaps and credit-card stress, ranked by the score upside of fixing each one.
Forecasts
30 / 90 / 180-day projections of where your stability is heading — so you can act before a problem lands.
Stability Coach
An AI coach that computes, not guesses — ask a what-if and it runs your real numbers through the scoring engine mid-chat, and it remembers your goals and decisions.
Scenario Studio
A financial digital twin. Ask 'what if my salary drops 30%?' in plain language and watch your score respond.
Monthly Money Close
FSI assembles your month and proposes the moves that matter — approve or dismiss each one, keep your streak, share the card. Nothing changes without you.
Proactive Alerts
At most one a day, and only when something actually changed — a score move, a new EMI in your statement, runway thinning.
Guided Workflows
Planners for the three moves that build stability: emergency fund, debt payoff and salary allocation.
Methodology
A proprietary, continuous scoring model
The FSI Score isn't a checklist. Each pillar is a smooth curve over a derived ratio, renormalised by life stage and data quality — the same v3 engine that powers the product runs live on the marketing page as an instant score.
Privacy-first by architecture
Uploaded documents are read once in memory and never stored — we keep the numbers and where they came from, never the file. AI runs server-side; API keys never touch the client.
AI with real guardrails
The AI never computes a number the deterministic engine can compute — it runs the engines as tools and quotes the results, with every response passing a runtime guardrail against regulated-advice claims, guarantees and buy-instrument tips.
Bank-grade account security
Two-factor authentication, active session control, breached-password checks and new-device alerts — on every account, at no cost.
Plans & pricing
Introductory pricing for early adopters* — pick the plan that fits how you manage money.
Coach
₹249/mo
or ₹2,090/yr — ₹174 a month, save ₹898
- Document intelligence — statements, payslips, Form 16, loan statements
- Every extracted number traced to the page it came from
- Full stability toolkit — score, planners, alerts
- 30 AI questions a month
- AI Stability Coach that computes with your real numbers
- A coach that remembers you and your decisions
- “What if?” scenario planning
Fortress
Most popular
₹799/mo
or ₹6,710/yr — ₹559 a month, save ₹2,878
- Everything in Coach
- Cross-document reconciliation — payslip vs bank, loan vs EMI debits
- Anomaly detection — undisclosed EMIs, late-payment signals, revolving debt
- 300 AI questions a month
- Monthly Money Close — approve your month's moves in minutes
- Monthly AI money reports & spending insights
- Intelligence feed, priority support & early access
Prices may be revised later as per policy. Paying yearly saves 30%.
Secured by Razorpay · Cancel anytime · 7-day full refund on your first payment.
FAQ
Questions, answered.
What is the FSI Score?
The FSI Score is a proprietary 0–100 indicator of your financial stability across four pillars — liquidity, leverage, durability and protection — computed from the numbers you provide. It is not a credit or bureau score; it measures how resilient your money situation is, and how to strengthen it.
How do I start with FSI?
Sign up and complete a two-minute assessment — or just describe your money in one message and FSI fills it in for you. You get your FSI Score, diagnostics, Risk Radar and the planning tools straight away, then pick the plan that fits how you manage money.
How much do the plans cost?
Coach is ₹249/month or ₹2,090/year (30% less paid yearly — about ₹174 a month). It includes document intelligence, the full AI Stability Coach (it computes with your real numbers and remembers them) and what-if scenario planning, with 30 AI questions a month. Fortress is ₹799/month or ₹6,710/year (about ₹559 a month) and adds cross-document reconciliation and anomaly detection, the Monthly Money Close, monthly AI money reports, the intelligence feed and spending insights, with 300 AI questions a month and priority support. Payments are processed securely by Razorpay, you can cancel anytime, and your first payment carries a 7-day full refund.
Does FSI give investment or trading advice?
No. FSI focuses purely on financial stability — cashflow, emergency funds, EMI and debt safety, and salary allocation. It does not recommend stocks or securities, give trading advice, or promise returns.
Who is FSI for?
Anyone with an income — salaried, freelance, or running a business — who wants to understand and improve their financial stability month over month. It is built for India, with amounts in ₹.
How is my financial data kept private?
By architecture. Documents you upload are never stored — a statement or payslip is read once, in memory, during a single request and then discarded, so there is no copy of it to leak. What is kept is the numbers, how confident we are in each, and the page each came from; account and card numbers only ever as their last four digits. AI runs server-side and API keys never touch the client, and every account gets two-factor authentication, session control and breached-password checks.
How is FSI different from a budgeting app?
Budgeting apps tell you where your money went. FSI tells you where your stability is going — it scores your resilience, forecasts it 30/90/180 days out, and ranks each recommended action by how many points it adds to your score.