Baniya

Stop guessing. Start doing.
Baniya is the only app that turns your financial data (income, expenses, assets, and debts) into personalized, step-by-step plans to achieve Financial Independence and Retire Early (FIRE).
Why Baniya?
* No Generic Advice
Get hyper-personalized recommendations like “Invest X to close your Y passive income gap” or “Pay off this debt first to save $Z annually.”
* FIRE Progress Tracker
Watch your passive income grow and your expenses shrink with real-time projections.
* Action Plans That Work
From optimizing underperforming assets to crushing high-interest debt, Baniya tells you exactly what to do next.
Key Features:
* F.I.R.E. Tracking Dashboard
Analyze your income streams cover your lifestyle—or where you’re falling short.
* F.I.R.E. Forecast
Calculate your FIRE number and track your progress. Try adjustments to see how it impacts your F.I.R.E. timelines.
* Smart Recommendations
“Here’s Why”: Understand the financial impact.
“Action Plan”: Follow concrete steps (e.g., invest $X in index funds, refinance debt).
“FIRE Impact”: See how each action accelerates your retirement date.
* Asset & Debt Optimizer
Stop losing money to inflation or high interest. Let Baniya identify leaks and fix them.
Bank-grade security protects your data. We never share your financial details.