Segmio

Segmio is an AI-powered platform designed for tracking net worth and generating financial projections. It enables users to model various life scenarios, assess the potential outcomes of different financial decisions, and plan for the future with a focus on privacy and flexibility. The tool is intended for individuals and couples seeking to understand and manage their finances, offering features that allow users to project net worth over time based on income, expenses, assets, and assumptions such as annual return and inflation rates.

Key capabilities include multi-currency support, monthly tracking of accounts and net worth, and the ability to plan jointly as a couple by sharing a single view of household finances. Users can import financial data from spreadsheets, ProjectionLab, YNAB, or CSV files, streamlining the transition from other tools. Segmio’s AI component allows users to ask "what-if" questions about their financial future—such as the impact of retiring at a certain age, changing careers, or adjusting savings rates—and instantly generates projections based on these scenarios. The platform supports scenario comparison, life event planning, Monte Carlo simulations, and stress-testing of withdrawal rates.

Segmio is accessible on both mobile and desktop platforms. Its privacy-first approach is emphasized throughout the experience. , who have experience building financial planning tools over several years.