Baniya - Retire Early

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.