finfol.io
Your Financial Memory for High-Stakes Decisions
A new public diagnostic tool that calculates how much of your wealth is structurally visible versus opaque.
Wealth Visibility Surface Area Map (WVSAM), a free, anonymous diagnostic tool
Dynamic asset input with jurisdiction, time horizon, and confidence scoring
Donut chart and per-asset-type opacity bar chart visualizations
Hidden Mass indicator with structural interpretation
Anonymous usage analytics tracked in admin dashboard
No login required, no financial values stored
Track the context behind financial decisions and see what changed, and why.
Decision Memos: record context, assumptions, and capital posture for major financial choices
Assumption tracking with half-life decay and stale flagging
Delta analysis engine: automatic materiality detection on every snapshot
Named baselines: tag any snapshot as a reference point (e.g., 'Pre-Sabbatical')
Pro Executive tier gating for advanced decision-readiness features
Three-tier subscription model: Free, Pro, and Pro Executive.
New Pro Executive tier for advanced financial decision-making
Three-tier pricing: Free, Pro ($180/yr), and Pro Executive ($249/yr)
Dynamic pricing display across pricing page, dashboard, and upgrade flows
Public instruments for financial reflection, starting with the Life Transition Financial Fog Index.
New /tools section for public clarity instruments
Life Transition Financial Fog Index (LTFI), a free, anonymous tool
Understand how clear or foggy your financial picture feels during major transitions
No login required, nothing saved
Live currency conversion and smarter defaults for international users.
Auto-fetch exchange rates from European Central Bank
Geo-based currency detection for new users via IP
Daily rate updates via scheduled cron job
Support for 30+ currencies with live conversion
Intelligent financial summaries and advanced scenario modeling.
AI-powered financial summaries
Scenario modeling: 'What if I quit my job?'
Weekly digest emails with insights
Goal tracking with progress visualization
Annual billing option with 17% savings
Secure, frictionless login with email OTP codes.
One-time password (OTP) login via email
Session management improvements
Rate limiting on authentication endpoints
IP-based security logging
Set financial goals and track progress over time.
Create savings, debt payoff, and investment goals
Link goals to specific accounts
Visual progress indicators
Milestone notifications
See how your financial picture evolves over time.
Daily net worth snapshots
Interactive trend charts
Month-over-month comparisons
Data completeness scoring
Track accounts in any currency with automatic conversion.
Support for 30+ world currencies
Automatic conversion to base currency
Per-account currency settings
Real-time exchange rate display
1 Comment
Interesting concept. Mapping structural visibility of wealth is a unique diagnostic angle.
Since the tool processes sensitive financial structure data, even without storing values, a few security points will matter for user trust:
• If asset types, jurisdictions, or structures are entered, are those inputs processed only in session memory or logged anywhere on the server?
• With anonymous usage analytics in the admin dashboard, what metadata is retained, IPs, session identifiers, or aggregated metrics only?
• Are calculations done client side or server side, and how is session isolation handled if multiple users run diagnostics simultaneously?
Tools dealing with financial structure often attract privacy conscious users. Clear statements such as:
• no financial values stored
• no user identity tracking
• short lived processing sessions
will strengthen credibility.
For the Memory Engine concept, decision logs and assumption tracking can also contain sensitive context about investments. Encryption, strict tenant isolation, and clear retention controls will matter if teams use it collaboratively.
As a security team building Nautillo Pro, we often test financial tools because small analytics endpoints or dashboards can expose more metadata than intended.
We also offer a free version.
If you ever want to evaluate how your platform behaves from an external attacker perspective, Nautillo Pro is available to test.