Finzya began the way most personal-finance systems do: a spreadsheet. Budgets, investments, net worth, projections — it all worked, until it didn't. Formulas broke, charts hit their limits, and keeping a dozen tabs in sync became a job of its own.
The tools available at the time didn't quite fit either. Some demanded more access than felt comfortable; most stopped at this month's spending, when the interesting questions are about the years ahead: am I on track? When could I stop working? What does this decision cost me in ten years?
So Finzya was built to answer those questions — first as a side project, now as the tool its creator uses every day to run his own finances. Every feature exists because it answered a real question about real money.