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 type what you make, what you spend, what you save. 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.