Hi, I'm Max.

FinPal started as an Excel file. I built it to get myself out of debt after university, and as I played with the numbers I kept finding better ways to pay things off: room to optimize, interest I could save without making the journey any harder. It helped me so much I wanted it on my phone, so I built that too. I shared it on Reddit, other people wanted in, and it grew into what FinPal is today.

I spent years in banking and then in portfolio management, after studying capital markets and quantitative finance. The precise, heavy math that decides how money really moves has always lived inside banks and investment funds. I wanted that same rigor working for regular people like me and their everyday money: the debts, the budgets, the goals.

Personal finance gets left behind, even though it is the foundation everything else is built on, and in the end it shapes the whole economy. So I built the tool I wished existed, and held it to the same standard as the tools I made and used professionally. Every number is hand-crafted, precise, and yours.

I would not trust my own financial future to a tool that guesses, so FinPal does not guess. Every result is real, deterministic math you can check, never an answer a machine made up. I wrote down the full reasoning, including why an AI being talked into agreeing with you is dangerous for money, in the No AI Policy.

FinPal still grows with me, through each stage of financial life. As my own finances improved, I started building the investing side: the portfolio optimization and stock analysis I used to do professionally, made for everyone this time. As my debts keep shrinking, I keep building, and retirement planning is next: withdrawal scenarios, tax optimization, and forecasting what you will spend in the years ahead.

It helped me get out of debt. It is helping me invest. And it will be there for the parts of life I have not reached yet.

I left banking. These days I work two weeks on, two weeks off as a heavy-duty mechanic, I took back my family's land, and I grow sweet corn. Most days I am just a guy chopping firewood.

But the taste for finance never left. When I need to forecast a season's costs or plan a project out on the land, I build it straight into FinPal, or add a quick free calculator to the site. So it keeps growing, sometimes in directions a usual finance app never would. The math is just as satisfying whether I am in a suit or covered in grease.