About Splexo
Built solo, for Indian Gen Z who actually handle money.
Tax apps want you for two months a year, then forget you. Trading apps want you tapping daily but never tie it back to your goals. And both ignore students entirely — as if you have no money worth managing until you pay tax.
Splexo is the bridge. Two personas, one engine. Salaried users get the full tax + deductions + goals stack. Students get goal-mode coaching on allowance, side-hustle income, and the cuts that move a goal date forward.
Founder
Subhayan Bairagi
Hey — I’m a 24-year-old entrepreneur and Gen AI engineer from Bangalore, with 2+ years of experience building mobile and web applications. It started as a hobby — small Android side-projects on weekends — and never stopped.
Splexo came out of an idea I always thought I needed but could never find anywhere — a money coach built for how Indian Gen Z actually handles money. So I built it. I love coding (especially the mobile kind) and products that quietly fix something for the person using them.
If any of this resonates, come say hi on LinkedIn or Instagram.
What I believe
Three principles. Each one is a feature your incumbents can’t copy.
Principle 01
Your numbers stay your numbers.
No payslip uploads. No Account Aggregator. No bank scraping. You just tell Splex — in chat — what you make, spend, and save, and it builds your Financial Fitness Score from that. Splex coaches on YOUR ledger, not someone else's data-extraction model.
Principle 02
Citations or silence.
When Splex talks tax, every claim traces to a real IT Act chunk. If the chunk doesn't exist, Splex says "I don't know" — instead of inventing a section number. The architecture won't let it lie.
Principle 03
Students are first-class.
No competing app treats Indian college students as anything but a feature flag. Splex has a whole second engine for them — allowance budgeting, side-hustle income, no tax framing.