Iván Moreno

FIGNIS is a forward-looking personal finance app built around projections, scenarios, and long-term decision-making.

Most personal finance apps focus on the past. They connect to your bank accounts, categorize transactions, track expenses, and show whether you stayed within your monthly budget. That can be useful, but it does not answer the bigger questions that actually shape your life: Can I afford to buy a home? What happens if I change jobs? How long until I reach financial independence? What if inflation stays high? How much does increasing my investment rate change my future? What happens if I move country, have a child, take a career break, or retire earlier than planned?

FIGNIS is designed to help answer those questions.

Instead of only showing where your money went, FIGNIS helps you model where your money could go. You can create long-term financial scenarios using assumptions about income, expenses, investments, inflation, assets, liabilities, housing, retirement, and major life events. Then you can compare those scenarios side by side and see how different decisions affect your future cash flow, net worth, and financial flexibility over time.

The idea is simple: many important financial decisions compound over years or decades, but most tools are not built for that level of planning. Budgeting apps are useful for short-term control, but they often stop at the monthly view. Investment trackers show portfolio performance, but they usually do not connect that to your broader life plan. Spreadsheets are flexible, but they become fragile and hard to maintain once you add multiple assumptions, timelines, and scenarios.

FIGNIS aims to sit between those options. It is not another expense tracker, and it is not trying to replace a financial advisor. It is closer to a financial simulator: a place to test assumptions, compare alternatives, and understand the long-term consequences of decisions before making them.

You can use it to explore questions like renting versus buying, changing jobs, investing more each month, adjusting expenses, planning for retirement, estimating financial independence timelines, or stress-testing your plan against inflation and income changes. The goal is not to produce a perfect prediction. The goal is to make uncertainty more visible, structured, and easier to reason about.

FIGNIS is especially useful for people who already think about FIRE, long-term investing, retirement planning, relocation, home ownership, career changes, or major life choices with financial consequences. It is also for people who have tried to build projection spreadsheets and found them difficult to maintain, compare, or explain.

We are launching FIGNIS as an open preview to gather feedback from real users. At this stage, we want to understand what people actually need to model, where their current planning tools fall short, and how we can make long-term financial planning clearer without oversimplifying it.

Financial planning should not be limited to tracking the past or maintaining a complex spreadsheet. FIGNIS helps you turn financial “what ifs” into concrete scenarios, so you can see the direction of your financial life and make better-informed decisions before committing to a path.