FINUFF · Know What's Enough

What FINUFF does

Everything you own and owe becomes one record your family can find

Bank accounts & FDsMutual funds & stocksGlobal portfolioBonds & NCDsInsurance policiesLoans & credit cardsEPF, NPS, PPF & SSYProperty, gold & business

One private record · on your device

1
Bring in what you already haveCAS, broker reports, bank statements, insurance PDFs or an Excel sheet. No bank login.
2
See the whole family at onceFunds, stocks, bonds, deposits, provident funds, gold, property, business and loans, for every member.
3
Know where you standNet worth, concentration, retirement, budget and subscriptions, all worked out on your computer.
4
Tell your familyShare a report for any section, or write a family letter with the free tool below.

And once it is all in one place, FINUFF works out

Retirement planSee whether your retirement corpus will last, using your own assumptions.

BudgetPlan the month and see what is safe to spend today.

SubscriptionsTrack every recurring service and get a reminder before each renewal.

ConcentrationSpot too much sitting with one member, issuer or sector.

Net worth over timeWatch the net worth trend of every member build up over time.

InsightsFundamentals and quality checks for the stocks, funds and bonds you hold.

Portfolio Insights

Understand what you already hold

FINUFF reads the stocks, funds and bonds in your family's portfolio and checks them against standard benchmarks. It never suggests what to buy.

StocksROE, ROCE, margins, debt, valuation, growth and cash flow, compared with standard benchmarks.

FundsHow each mutual fund compares with others in its own category.

Portfolio healthSpots concentration, idle cash, bond quality, currency exposure and tax timing across the whole family.

Stock insights · Sample LtdSample data

Consistent returns on capital and low debt. Valuation looks stretched against growth.

ROE 18.2% ROCE 22.5% Debt/Equity 0.4 Op margin 16.1% PEG 2.1 Free cash flow + Beta 0.9Dividend yield 1.2%

ConcentrationOne stock is 38% of this portfolio. A single move can swing a large share of it.

Portfolio health checks

ConcentrationToo much with one member, issuer or sector

DiversificationHow your holdings spread across asset classes

Bond qualityCredit quality of the bonds you hold

Idle cashMoney sitting without a job

Currency exposureHow much depends on foreign currency

Tax timingTax-loss harvesting and STCG→LTCG dates

Insights look up public numbers for the tickers you hold. Your holdings and amounts stay on your computer. Informational only: FINUFF is not a SEBI-registered Investment Adviser or Research Analyst.

The app

It lives on your computer, not on a server.

A desktop program for Windows, available now. macOS and Linux builds are made on request. Click through the screens. Your records are encrypted on your own disk.

FINUFFSample data

Family overview

3 members · updated today

Family net worth₹84.79 L

Investments₹52.4 L

Loans₹28.6 L

Cash₹6.8 L

Concentration62%Held by the largest single member

Equity exposure73%Mutual funds & direct equity

Members33 with holdings

Money Lend & Owe

Informal loans with friends and relatives

Money I lend₹2.5 L

Received back₹40,000

Money I owe₹1.2 L

Rahul SharmaFriend · Lent · interest-free · due 15 Dec 2026₹ 1,00,000₹40,000 back

MeeraCousin · Lent · 12% a year · due 30 Jun 2027₹ 1,50,000Pending

Uncle SureshRelative · Owed · interest-free · repay by 10 Mar 2027₹ 1,20,000To repay

Insurance

Coverage, renewals and premiums

!1 Missing Nominee. Add nominees to ensure smooth claims.

Term lifeNominee: spouseNominee

Health floaterFamily floaterRenews in 40 days

MotorOwn damage + third partyRenews in 12 days

Old policyNo nominee on recordMissing Nominee

Cash & Credit

Accounts, deposits, loans and cards

Home loanEMI due on the 5th₹ 24,500

Car loanEMI due on the 12th₹ 11,200

Fixed depositMatures 12 Mar 2027Active

Savings accounts2 accounts₹ 6.8 L

Credit cardOutstanding balance₹ 18,400

Reports

Export one section instead of the whole portfolio

InsuranceCover, premiums, renewals, nomineesExport

FamilyEach member's holdingsExport

Cash & CreditEvery account, deposit, loan and cardExport

BudgetThe monthly budget statementExport

AllocationHow your holdings are spreadExport

Try it right here

Make it easy for everyone at home

A few lines now can save your family a lot of searching later.

To my family

Tap the envelope, or start writing, to open it

Write a family letter. Free.

Fill in a few lines. Print it, save it as a PDF or copy the text. Nothing you type leaves this page.

Where the important papers are keptWho to call firstOne thing I want you to knowSign it with (optional)

Security

Your financial data stays yours

Every design choice assumes your computer could be lost, stolen or inspected. The data on it stays meaningless without the one credential only you hold.

EncryptionAES-256-GCM, which also detects tampering

Your keyMade from your Master Password with Argon2id, never from your name or email

Where it livesOn your computer only. No vendor server holds a copy

TrackingNone. No analytics, telemetry or ad SDKs

Auto-lockAfter 5 minutes idle

RecoveryA one-time Recovery Code at setup. Keep an encrypted backup too

What does leave your computerPublic market lookups (a ticker, ISIN or currency pair), the license check (your license key, email and name) and, only if you turn them on, the alerts you set up (just the alert text, such as a renewal date). Never your portfolio, balances or vault.

We never hold your vault or Master Password, so we cannot reset it for you. If you lose both your password and your Recovery Code, the data cannot be recovered. Keep a backup.

Don't take our word for it: watch your computer's network monitor while you use FINUFF.

0requests sent from this page, counted in your browser

CloudNo copy of your records

Nothing to send

Encrypted vaulton your computer

Encrypted backupyou choose where

Public pricesprice, NAV, FX

Tap a button to see what happens to your records. A simplified illustration.

Who it's for

Every family has someone who "just knows"

If that person is you, this is for your family.

The salaried parent

Policies came from three offices and two agents. Your spouse knows about one.

Puts every policy and nominee in one list

The business owner

Loans, property, FDs and shares live in your head, not on paper.

Writes it all down, owner by owner

The couple

One of you handles the money. The other would be lost if something happened.

Gives both of you the same view

The grown-up child

Your parents have old policies and FDs. You do not know where the papers are.

Lists theirs in one place

Why I built FINUFF

You spend years building your family's wealth. Make sure your family knows it exists.

1Money is scatteredStocks, funds, NPS, banks, FDs, property, insurance and loans.2It is rarely spoken aboutThe person managing it often never tells the family.3It is lost when neededIf they are unavailable, the family starts from scratch.

It started with my brother Rajesh. He invested for his family, and then he was no more. His loss showed me how much a family depends on one person knowing where everything is, and how little of it is written anywhere the rest of the family can find.

The person who needs the information most is often the person who never managed the money. So I built one private record for the whole household: on your own computer, encrypted, with nothing sent to me.

My own family now knows FINUFF exists, where the backup is kept, and how to open it. That is all this app is for.

Praveen Kumar KamarajSolution Builder, FINUFF

In memory ofRajesh

My brother, who invested for his family and left us behind. He made me think of the problem FINUFF solves. This app is dedicated to him.

Why ₹1,999 a year

Built to be looked after for years

I use FINUFF for my own family. Software like this stays useful only if someone keeps working on it: fixing what breaks, updating it and adding what families need. That ongoing effort is what the price supports, and it is why I set it at ₹1,999 a year.

I will try to keep it at this price for as long as I can.

₹1,999 a year is a small price for making sure your family's wealth does not become a mystery. About ₹5.50 a day for the whole household.

Try everything free for 14 days, with full access and no card. Prefer to pay less often? Max is ₹2,999 for two years, about ₹1,500 a year.

What your license covers

One household, every memberNot per user. The whole family sits on one record.

Everything you own and oweFunds, stocks, bonds, deposits, EPF, NPS, PPF, SSY, gold, property, business and loans.

Plan and keep trackRetirement plan, monthly budget, subscriptions and net worth over time.

Insights on what you holdFundamentals and portfolio health checks for your stocks, funds and bonds.

Import and shareBring in CAS, broker, bank and insurance documents. Export a report for any section.

Private by designEncrypted vault, encrypted backups and a Recovery Code, on your own computer. No ads, no analytics.

For everyone inside the home

Money talk is a bridge most homes never build

Tap a room to see what that person can finally find.

Start the conversation

Questions

Things people ask first

Does FINUFF upload my data?

No. Your records are stored encrypted on your own computer. The app only looks up public prices and fund NAVs; your holdings are not sent anywhere.

Do I need to give my bank login?

No. You import statements you already have, such as CAS, broker reports, bank statements and insurance PDFs.

Is this investment advice?

No. FINUFF is a record-keeping tool. It is not a SEBI-registered Investment Adviser or Research Analyst.

What if I forget my password?

Your data is encrypted with your password. At setup, FINUFF also gives you a one-time Recovery Code. Keep both where your family can find them.

Know What's Enough

Start with one screen. End with a family that can find everything.

Free for 14 days. Set up in a few minutes. Your records stay on your device.

Request license

100% of it, findable

✓ Good to send

More value. More privacy.

One household. One vault.
No per-user fees.
Your data stays yours.
Your financial records never reach our servers.
Real support, human replies.
Get a response within 24–48 hours.

Free14 days · full access, no card needed

No payment is collected on this page. Enjoy your free trial, with paid plans activated only after your request has been verified and confirmed by email.

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How much of your money can your family find today?