Segmio

AI-native net worth tracking and financial projection app with scenario discovery.

What we're building

Segmio is an AI-native net worth tracking and financial projection app with scenario discovery. Track your net worth, model your financial future, and discover scenarios you hadn't considered — all in one place.

AI is at the core of Segmio from day one, not bolted on as a feature. Instead of filling out endless forms to model a what-if, you describe it in plain language:

"What if I quit my job in 2028, travel for a year spending €3,000/month, then start consulting part-time?"

Segmio parses that into a structured scenario and models it against your current projection. New scenarios are surfaced automatically every time you update your data.

This is not a budgeting app. Not an expense tracker. Not a banking aggregator.
It's a serious financial simulation tool, built for people who want real clarity over their financial future.

Why Segmio is different

	Segmio	Traditional finance apps
AI	Core architecture	Bolt-on feature
Net worth tracking	✅	Sometimes
Financial projections	✅ Month-by-month	Rarely
Scenario discovery	✅ Natural language	❌
Privacy-first	✅ No data selling	❌
Mobile-first	✅	Afterthought
Onboarding	2 minutes	Hours
Collaboration	Couples + advisors	Solo only

Key features

AI-powered scenario discovery — scenarios generated automatically as you track
Natural language scenario building — describe it, Segmio models it
Month-by-month financial projections — based on your actual data
Net worth tracking — assets, liabilities, history
Collaboration — couples, financial advisors, white-label for advisor firms
Country-specific tax modeling — US, UK, Romania, Germany, Australia, Canada and more
Multi-currency — native support
Privacy-first — no data selling, no unnecessary collection
2-minute onboarding — answer 5 questions, get your projection instantly

Our products

Segmio — AI-native net worth tracking and financial projections (third generation in progress)
FinancialAha — Financial planning spreadsheet templates used in 55+ countries

Note

FinancialAha is our sister product and bootstraps Segmio's development. It serves as both a revenue stream and a direct source of market insight into what people across different financial systems need.

The story

Segmio started as a personal spreadsheet in 2018. When that spreadsheet became too limited, we built a web app. First public prototype launched in 2022. Second generation shipped in 2024 with full asset tracking, cash flow, goals, debt management and projections.

The third generation is a complete rebuild — AI-native, mobile-first, and the version we always wanted to make.