Tendi

Skip to main content Close Search Your AI-powered Personal Financial Advisor From paying off debt to saving for your future, Tendi is an AI-powered personal financial advisor that helps you understand, plan, and achieve your financial goals with ease. Explore features Tendi’s AI Model Outperforms Chat GPT, Claude, Gemini, and Llama Generative AI platforms, such as Chat GPT and Claude, are great at answering questions on a wide range of subjects. Tendi was trained to go deep into personal finance and understands the complex relationships between people and their money. As result, Tendi scores significantly higher than all other AI models at the Certified Financial Planner® exam. The Certified Financial Planner® exam consists of 170 multiple-choice and short-answer questions and typically takes 6 ours to complete. It covers several personal finance topics, such as financial planning principles, investments, retirement planning, tax planning, and more. Measure Financial Wellness with Tendi’s Financial Health Index To determine if Tendi can help you, we needed a way to measure overall financial health. Our financial experts have developed the Financial Health Index (FHI), a comprehensive metric to evaluate your overall financial well-being on a 0–100 scale. By analyzing factors such as income, expenses, savings, investments, debt, and net worth, the FHI offers a holistic view of your financial status. Integrated into the Tendi platform, this dynamic score allows you to monitor and improve your financial health over time, empowering you to make informed decisions and achieve your financial goals. Learn more on our blog. Read the official whitepaper. Calculate Your FHI Annual Income ($): Monthly Debt Payments ($): Monthly Savings ($): Total Investments ($): Net Worth ($): Emergency Fund Coverage (months): *Recommended: At least 3 months of expenses in savings. Calculate Your FHI Score Over 12,000 Financial Institutions Connected Tendi is connected to over 12,000 financial institutions around the world, including in the US, Canada, the UK, and Europe. Play Video Financial Advice, Planning, Budgeting, Challenges, Notifications Always online and ready to assist you More Than an App, Your Financial Empowerment Starts Here Tendi isn’t just another finance app; it’s your partner in building a brighter financial future. We analyze your spending, saving, and investing habits to provide personalized insights and actionable strategies. With Tendi, you’ll understand where your money is going and how to make it work harder for you. Share Your Feedback Your Financial Journey, Simplified Securely connects to your bank accounts Analyzes your spending and saving patterns Shows you exactly where your money goes Provides a personalized financial plan tailored to you Offers unique challenges to improve your financial habits Tracks your progress toward your goals Gives you personalized financial advice when you need it Alerts you to important changes in your accounts Share Your Feedback Bridging gaps in wealth and financial literacy Tendi was created to address the critical gap in financial education and to combat growing wealth disparities. Our mission is to make advanced, personalized financial guidance accessible to everyone and empowering them to navigate their financial journey with confidence. By providing intuitive AI-driven insights, Tendi aims to bridge the wealth gap, fostering a future where effective financial management and literacy are within reach for everyone. Share Your Feedback Your Path to Financial Success Starts Here Secure Bank Integration: Easily connect your accounts for accurate insights. Detailed Spending Analysis: Understand where your money is going. Custom Financial Challenges: Set goals and follow through with step-by-step guidance. Real-Time Insights & Alerts: Stay updated on your progress and get alerts when important changes happen. Ask Tendi Anything: Have questions about money? Ask Tendi and get instant, personalized advice Share Your Feedback Frequently Asked Questions How does Tendi help me manage my finances? Tendi analyzes your financial habits and creates a custom plan to help you reach your goals, whether it’s paying off debt or saving for a big purchase. Do I have to link my bank accounts? No worries! You can use Tendi by manually entering your estimated income, expenses, debts, and investments. We’ll provide you with solid financial advice either way. But if you choose to connect your bank accounts, Tendi can offer even more accurate and personalized plans. How is my data protected? Your privacy and security are our top priorities. Tendi uses advanced encryption and strict privacy protocols to safeguard your data. We adhere to industry-standard cybersecurity practices, ensuring your information is stored securely and never shared without your explicit consent. What goals can Tendi help with? Tendi is here to help you achieve a wide range of financial goals, from saving for a dream vacation or a new car to reducing debt and planning for retirement. We tailor our advice specifically to your personal financial situation and aspirations. Is Tendi right for financial beginners? Absolutely! Tendi is designed to be user-friendly and perfect for beginners of any age. We offer straightforward advice, easy-to-understand insights, and educational resources to help you grow your financial knowledge and confidence. Is Tendi expensive to use? Not at all. Tendi offers a free basic version with all the essential features you need to get started. For more advanced functionalities, including personalized advice and comprehensive analytics, we offer a premium subscription at a price that’s less than your monthly coffee or beer budget. Plus, Tendi will let you know if we can’t help you save money! Help Shape AI-Powered Personal Finance Tendi is at the forefront of AI-powered personal finance. Your feedback can help shape and improve this technology to help millions of people without access to sound financial advice. Share your thoughts, feedback, and ideas… Sign up now to get early access to Tendi and start your journey toward financial freedom. Together, we’ll build the financial app you’ve always wanted. You have the power to achieve your financial goals Information About Tendi.ai How Tendi.ai Works Why Tendi.ai FAQs Contact Us hello@tendi.ai Reddit Community LinkedIn Page Press Contact press@tendi.ai 2100 S Bascom Ave Ste 1 #540 Campbell, CA 95008 Share Your Feedback ©  2026 Tendi.ai, All Rights Reserved. Blog What is Tendi? 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Blog What is Tendi? How it works Why we created it FAQs Close Menu --- Skip to main content Close Search Technology Introducing the Financial Health Index (FHI): A New Standard for Measuring Financial Well-Being Tendi March 2, 2025 Home » Introducing the Financial Health Index (FHI): A New Standard for Measuring Financial Well-Being At Tendi, we believe financial health should be as easy to track as your credit score. That’s why we’re thrilled to introduce the Financial Health Index (FHI)—a comprehensive, easy-to-understand metric that evaluates an individual’s financial well-being on a 0–100 scale. Unlike traditional credit scores that only assess debt and repayment history, the FHI provides a holistic view of financial health by incorporating income, savings, investments, debt, and net worth. Even better? We’re open-sourcing the formula so anyone can use it to measure and improve their financial situation. What is the Financial Health Index (FHI)? The FHI is a single numerical score designed to represent your overall financial health. A higher score indicates stronger financial stability and future readiness, while a lower score highlights areas needing improvement. It’s a dynamic metric that changes over time as you build savings, pay off debt, and grow investments. The FHI formula integrates six key financial factors: Net Worth – The total value of your assets minus liabilities. Debt-to-Income Ratio (DTI) – The proportion of your monthly income dedicated to debt payments. Savings Rate – The percentage of your income saved each month. Investment Health – The amount of investments relative to income and life stage. Emergency Fund – The number of months’ worth of expenses saved for unforeseen situations. Other Stability Factors – Job security, insurance coverage, and other financial safety nets. By analyzing these areas, the FHI empowers users with actionable insights into their financial strengths and weaknesses. Why the FHI Matters Traditional financial metrics—like credit scores and net worth—don’t tell the full story. The FHI is different because it: Provides a holistic snapshot of financial well-being, not just borrowing habits. Offers personalized insights on how to improve your financial health. Tracks progress over time, helping individuals measure financial growth month over month. Is open-source, allowing financial platforms, fintech apps, and individuals to integrate and customize the metric. How Tendi Uses the FHI The FHI is deeply integrated into the Tendi platform, allowing users to monitor their financial health in real-time. By linking financial accounts, Tendi automatically calculates your FHI score and provides customized recommendations to improve it. Whether it’s optimizing your savings strategy, reducing debt, or increasing investments, Tendi guides you step by step. Open-Sourcing the FHI Formula We’re making the FHI open-source so that anyone—financial advisors, fintech developers, and individuals—can leverage it. We believe that financial health should be transparent, measurable, and accessible to all. The formula is available for use, and we encourage community contributions to refine and enhance it over time. Take Control of Your Financial Future The Financial Health Index (FHI) is more than just a number—it’s a powerful tool to help you make better financial decisions and track your progress toward financial freedom. Join us in revolutionizing personal finance by adopting the FHI and taking control of your financial well-being. Want to see your FHI score in action? Sign up for Tendi today and start your journey toward financial success! 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You have the power to achieve your financial goals Information About Tendi.ai How Tendi.ai Works Why Tendi.ai FAQs Contact Us hello@tendi.ai Reddit Community LinkedIn Page Press Contact press@tendi.ai 2100 S Bascom Ave Ste 1 #540 Campbell, CA 95008 Share Your Feedback ©  2026 Tendi.ai, All Rights Reserved. Share Blog What is Tendi? How it works Why we created it FAQs Close Menu