Three iterations. One direction.

Segmio's path

Eight years from a personal spreadsheet to AI-powered projections.

1. 2018 First spreadsheet
2. 2020 Idea born
3. 2022 Prototype
4. 2024 Full web app
5. Now AI-native

Before Segmio

Two products, used by hundreds of thousands of people across more than a hundred countries, before we started building this.

Why

What kept bothering us through every iteration: financial planning still feels like filling forms - slow, rigid, stuck behind knowing the right questions to ask.

The third generation is our answer.

Founders

Stefan Neculai

Co-Founder & Software Engineer

Building Segmio from the ground up. Software engineer with a focus on creating AI-powered financial tools that make net worth tracking and projections accessible to everyone.

I'd rather build a tool that gives you the answer than one that asks you the question.

LinkedIn X GitHub

Diana Neculai

Co-Founder & Product Designer

Designing the Segmio experience. Engineer by training, focused on making complex financial data clear and actionable through thoughtful product design and data visualization.

I design so people can ask 'what if' without thinking about how.

LinkedIn X GitHub

Read more

The longer story, in two pieces.