Platform Features

Everything you need to master finance —
in one place.

Five learning modes. Four professional financial tools. One platform designed around outcomes — getting the job, passing the exam, making better decisions.

Mode 1 — Flashcards

Spaced repetition on application,
not definitions.

Over 500 cards at launch. Every card tests what you would do, not what you have memorized. The algorithm tracks exactly which cards you struggle with and surfaces them more often — cards you get right get pushed further out.

Application-based cards
Not 'define WACC.' Instead: calculate WACC from these inputs, then tell me how changing the capital structure affects it.
Spaced repetition engine
Wrong answers come back within hours. Right answers come back in days, then weeks. Forgetting is deliberately prevented.
Topic filters
Drill into DCF, LBO, options pricing, accounting ratios, CFA prep, or any specific subject area.
500+ cards at launch
Covering all major finance topics — valuation, deal mechanics, portfolio theory, derivatives, and more.
Question — 1 of 3

What happens to enterprise value when EBITDA margins compress by 200bps, all else equal?

Click card to flip • Click bar to switch card

DCFLBOOptionsM&ACFA Prep

Five companies. Three years of data. Which is most undervalued?

CompanyRev GrowthEBITDA MarginEV/EBITDANet Debt/EBITDA
TechCo A+34%28%12x0.2x
RetailCo B+8%14%6x1.8x
ManufCo C+3%22%7x0.5x
HealthCo D+19%31%15x0.0x
EnerCo E+12%18%5x2.9x
Mode 2 — Finance Games

Three games. Real mechanics.
Zero trivia.

Built around actual financial decision-making. You develop intuition by doing, not by reading about it.

Stock Picker
Five companies. Three years of financial data. Pick the most undervalued. The AI reveals the DCF-implied answer and explains every assumption.
Portfolio Builder
$1M portfolio. A risk budget. Drag and drop 20 stocks and ETFs. Sharpe ratio and volatility update in real time. Compete against the Markowitz optimal portfolio at the end.
M&A Deal
You are advising on an acquisition. 90 seconds to assess synergies, set a premium, defend your recommendation. The AI plays the CEO pushing back hard. Scored on reasoning quality, not just the answer.
Mode 3 — Topic Quizzes

Three modes. One for every stage of prep.

Always On

Standard Mode

Unlimited topic-based quizzes with immediate deep explanations after every question. Not just the right answer — why each wrong answer is wrong. Every incorrect choice gets a full explanation so you understand the underlying concept, not just the answer.

30 sec/question

Timed IB Mode

Simulates the real pressure of a first-round technical interview. 30 seconds per question. Questions pulled from a bank of real IB interview questions sourced from student reports on Glassdoor and Wall Street Oasis. No pausing. No looking things up.

Compete

Leaderboard Mode

Your score on each topic is posted to the global leaderboard and your profile. See exactly where you rank on DCF, LBO, options, and every other topic. Top performers get recruiting visibility to partner firms.

Mode 4 — Voice Simulations

The most differentiated feature
we have built.

You speak. The AI listens, evaluates accuracy, structure, and confidence, and scores you immediately. Works on desktop and mobile.

Goldman Interviewer

You enter the interview room. The AI introduces itself as a first-year GS M&A associate and starts firing: Walk me through a DCF. What happens to EPS if a company issues debt to buy back stock? If WACC is 10% and IRR is 8%, do you take the project? Evaluated on accuracy, structure, and confidence.

Skeptical Fund Manager

Pitch a stock. The AI plays a long-short equity PM who pushes back on every assumption. Why that revenue growth rate? What's your variant view versus consensus? What's your downside case and catalyst? You cannot bluff your way through.

M&A Associate

Walk through a deal you've studied. The AI asks about synergy assumptions, deal structure, financing mechanics, and accretion/dilution math. Real deal analysis, not textbook scenarios.

✓ Works on desktop and mobile  ·  ✓ Scored feedback after every session  ·  ✓ Closest thing to the real interview
GS Associate: 'Walk me through a DCF.'
You: [speaking] 'Start with free cash flow projections — typically 5 years...'
GS Associate: 'What discount rate are you using and why?'
Score: Structure 8/10 | Accuracy 7/10 | Confidence 6/10
Listening...
DCF Build — Step 3 of 6
Revenue Projections$245M → $312M
EBIT Margin Assumptions18% → 22%
D&A & CapExEnter as % of revenue
Working Capital Changes
WACC Calculation
Terminal Value
AI Coach

"Why did you set CapEx at 4% of revenue? That's below industry average for this sector — walk me through your reasoning."

Mode 5 — Sandbox Simulations

The feature that separates Finium from everything else.

You do not watch someone build a model. You build it yourself, one input at a time, with the AI guiding every step and challenging every assumption.

1
DCF from scratch
Real company data. You project free cash flows, calculate WACC using CAPM, set terminal value with both Gordon Growth and exit multiple methods, and arrive at an implied share price. AI validates each cell and asks why you made every assumption.
2
LBO structure
Acquire a fictional company for 8x EBITDA using 60% debt. Model debt paydown over five years. Build exit assumptions. Calculate IRR and MOIC. AI challenges leverage assumptions and margin improvement targets.
3
Portfolio optimization
Select stocks, input expected returns and risk tolerance, run the Markowitz optimizer. The efficient frontier renders in real time. Export directly to QuantPort.
Professional Financial Tools

Finium is not just an education platform.

It also builds standalone professional financial tools used by investors, analysts, and CFOs — separately purchasable, enterprise-grade, and built on the same financial engine that powers the sandboxed simulations.

QuantPort

Portfolio Optimization & Monitoring
Live Soon
Markowitz mean-variance optimization
Calculates the maximum Sharpe ratio portfolio and minimum variance portfolio from any combination of up to ten tickers. Built on covariance matrix computation and SciPy optimization — not a black box.
Efficient frontier visualization
Plots 5,000 randomly generated portfolios as a scatter plot colored by Sharpe ratio (red = low, blue = high). The two optimal portfolios are highlighted. Computed from first principles so professionals can verify the output.
Monte Carlo simulation
500 portfolio paths projected over 252 trading days using Geometric Brownian Motion. Shows 5th, 50th, and 95th percentile outcome bands — the full range of realistic scenarios.
Key metrics dashboard
Expected annual return, volatility, Sharpe ratio, Sortino ratio, max drawdown, beta versus SPY, and a correlation matrix heatmap across all positions.
Weekly drift monitoring
Save any portfolio and receive a Monday email showing current vs optimal weights, Sharpe ratio degradation, and — on paid tier — exact shares to buy and sell to rebalance.
Brokerage API integration
Professional tier connects to Alpaca and Interactive Brokers APIs. Holdings pulled automatically. White-label PDF reports for financial advisors and RIAs.
Free — 1 portfolioPro — $19/mo unlimitedProfessional — $299/mo brokerage API
Efficient Frontier — 5,000 Simulated Portfolios
Min VarMax SharpeVolatility →Return →
Sharpe Ratio
1.42
Ann. Return
18.7%
Volatility
13.1%
DCF Sensitivity — Implied Share Price
Market: $118
WACC\TGR1%1.5%2%2.5%3%
8%$142$150$158$166$174
9%$128$136$144$152$160
10%$114$122$130$138$146
11%$100$108$116$124$132
12%$86$94$102$110$118

Green = undervalued vs market. Red = overvalued. Base case: WACC 10%, TGR 2%.

DCF Valuation Tool

Enter a ticker. Get a full institutional model.
Live Soon
Automatic financial data pull
Enter any public company ticker. Five years of income statement, balance sheet, and cash flow data populate instantly from the Financial Modeling Prep API. No manual entry.
Free cash flow projection engine
Input revenue growth rates, EBIT margins, CapEx as % of revenue, and working capital changes for five forward years. Full unlevered FCF forecast built automatically.
WACC built from first principles
Cost of equity via CAPM using live 10-year Treasury yield, regression-computed beta, and Damodaran's updated equity risk premium. After-tax cost of debt from actual financials. Capital structure weighted at market values.
Dual terminal value methods
Gordon Growth Model and EV/EBITDA exit multiple calculated simultaneously. Toggle between them to see how sensitive your output is to terminal value methodology.
Sensitivity table and football field
Two-way sensitivity table across WACC and TGR assumptions, color-coded from deep green (undervalued) to deep red (overvalued). Football field chart showing DCF range versus comps and precedent transactions.
PDF export
Clean, professional output formatted like an actual investment banking deliverable. Pricing: Free basic DCF, Pro $29/mo full model and export, Analyst $199/mo API access.

AI FP&A Tool

For CFOs and finance teams at $10M–$200M revenue companies
Coming Soon
Accounting system integration
Connects to QuickBooks Online, Xero, and NetSuite via API. Actuals pulled automatically on day one of every month-end close.
Automated variance commentary
Compares actuals vs budget line by line. Identifies top five drivers of miss or beat. Writes the commentary in plain English — CFO-ready.
Rolling 12-month forecast
Combines pulled actuals with CRM pipeline data and known committed costs. The CFO adjusts assumptions rather than rebuilding from scratch every month.
Board package generation
Complete presentation: P&L summary, revenue waterfall, gross margin bridge, cash runway, KPI dashboard, forward outlook. What took 3–5 analyst days now takes 2 hours of CFO review.
Target market: Companies $10M–$200M revenue. Too big to not have financial reporting. Too small to afford Anaplan or Pigment at $100K/year. This is the gap we fill. Pricing: Growth $1,500/mo · Scale $3,000/mo · Agency $5,000/mo.
Roadmap

Four more tools on the way.

Each one built on the same financial engine. Each one a standalone product.

Coming Soon

LBO Model Builder

Structure a leveraged buyout on any company. Model five-year debt paydown across tranches, set exit assumptions, calculate IRR and MOIC across a range of entry and exit scenarios.

Coming Soon

AI Equity Research Report

Enter any ticker. Get a full institutional-quality research report in under 60 seconds — DCF, comps, bull/bear thesis, price target, risk factors. Output PDF formatted like a Goldman initiation of coverage.

Coming Soon

Options Pricing Calculator

Black-Scholes pricing with full Greeks visualization — delta, gamma, theta, vega, rho. Implied volatility surface. Strategy payoff diagrams for common multi-leg structures.

Coming Soon

Cap Table Modeler

Model startup equity from founding through multiple rounds. Dilution at each stage, option pool expansion, liquidation preference waterfalls, founder ownership through to a hypothetical exit.

Why education and tools together?

Students who learn DCF in the sandbox simulation are the most natural users of the standalone DCF tool — they understand exactly what it is computing and why. Professional tool users who want to go deeper on the finance behind the tools are the most natural Finium subscribers. The education makes the tools more powerful. The tools make the education more applied. No other finance platform has both. That's Finium.

Start with the platform that makes you do finance.

Start with Finium