Net worth, portfolio health, retirement, tax, property, insurance, estate planning, and a weekly action plan — in most apps that's eight logins. Here it's one subscription, and the AI layer sees the whole picture at once.
Every asset and liability — bank, brokerage, EPF/PPF/NPS, property, gold, crypto, loans — rolled into one number, with a trend line instead of a one-time snapshot.
| Total assets | ₹1,99,69,264 |
| — Properties (2) | ₹1,33,00,000 |
| — EPF / PPF / NPS | ₹31,80,000 |
| — Holdings (stocks, MFs, gold, crypto) | ₹14,39,264 |
| — Cash & other | ₹12,00,000 |
| Total liabilities | ₹43,80,000 |
Anyone can sum assets minus liabilities. The AI layer narrates the "why" behind the trend line — this month it flagged that the jump was driven mostly by EPF interest credit and a rally in Reliance and TCS, not new savings — so you know whether growth is compounding or coincidence.
Diversification, risk, and cost-efficiency scored from your actual holdings — not a generic robo-advisor questionnaire.
The score tells you 64/100 on diversification. The narrative tells you why: "Reliance and HDFC Bank together make up over a quarter of your direct equity, and your small-cap fund plus crypto add up to a meaningfully higher-risk slice than a typical moderate profile" — plain English, not a risk-score in isolation.
Projects your corpus forward using salary increments, category-specific return assumptions, and existing passive income — not one flat growth rate applied to everything.
| Current age → target retirement | 34 → 55 |
| Monthly investment + salary-linked SIP | ₹45,000 + 20% of salary |
| Passive income already in place | ₹19,700 / month |
| Projected FIRE date | Sept 2044 |
The rules engine computes the FIRE date. The AI puts it in context: "You're on pace to retire nearly 3 years ahead of your planned age of 55" — driven specifically by rental income and EPF/PPF compounding faster than your blended assumption — and turns that into a prompt to reconsider your target age, not just a chart.
Old vs. new regime, computed from your actual income, deductions, and capital gains — India-specific, slab by slab.
| Old regime tax | ₹7,27,584 |
| New regime tax | ₹6,09,336 |
| Section 80C used | ₹1,50,000 / ₹1,50,000 |
| Section 80D used | ₹21,000 / ₹25,000 |
It doesn't just pick the cheaper regime — it explains the trade-off: "even after your ₹2.71L in deductions, the new regime's wider slabs still win at your income level" — and separately flags the ₹4K of unused Section 80D room, a suggestion a pure calculator would never surface.
Rental yield, appreciation, and liquidity scored per property — so "real estate" stops being one lump-sum guess.
| 2BHK, Whitefield (residence) | ₹92,00,000 |
| 1BHK, Baner, Pune (rented) | ₹41,00,000 |
| Baner monthly rental income | ₹16,500 |
| Baner gross rental yield | 4.8% |
"4.8% is a healthy yield relative to the typical 3–4.5% range for Indian residential property" — the AI benchmarks your specific property against market norms and prompts you to periodically compare its all-in return against your equity returns, instead of just letting the value sit there.
Checks whether your cover actually matches your income, liabilities, and life stage — not just whether a policy exists.
| Current term cover | ₹1.5 Cr |
| Annual income | ₹34.2 L |
| Home loan liability | ₹42 L |
| Suggested additional cover | ₹2–3.5 Cr |
A checklist app tells you a policy exists. This tells you it's not enough: "your ₹1.5Cr term cover is about 4.4× your annual income — below the commonly recommended 10–15× given your life stage and home loan" — a specific, sized gap, not a green checkmark that hides the real risk.
Tracks every nominee assignment across accounts, assets, properties, and policies — and your will / power of attorney status — in one place.
Four gaps found automatically, in plain language: "individually smaller in value, but worth closing since a missing nominee can slow down claims and succession." Your will is registered and up to date — the AI notices that too, so you're not just shown a wall of red flags.
Every module's findings, ranked and merged into one short list — so "what should I actually do this week" has a real answer.
| High Add a nominee to your Physical Gold + SGB holding | Estate |
| High Assign a nominee to your Health insurance policy | Insurance |
| Medium Top up Section 80D to capture the remaining deduction | Tax |
| Medium Review Baner Pune rental yield against market rate | Property |
| Medium Small-cap allocation is elevated — consider rebalancing | Portfolio Health |
| Low You're on pace to retire ~3 years early | Retirement |
A floating chat widget on every page, with memory across all 8 modules — plus voice in, voice out. It's the one feature with no rules-only fallback: it needs live AI, because being conversational is the feature.
This is the module that only exists because of AI — no rules engine can hold a free-form conversation that reaches across net worth, tax, retirement, and estate data in the same answer. Tap the mic and ask it out loud; it replies out loud too.
Any one of these eight workflows exists as a standalone app already. Bundling them — with AI that reads across all of them — is what makes people stay subscribed.
Net worth, tax, insurance, and estate tools are normally separate subscriptions. Consolidating them is the retention moat.
The "Ask Me" assistant and every module's narrative layer reason over your whole financial picture, not one spreadsheet at a time.
Every module's numbers are deterministic and correct even without AI — the AI adds explanation on top, so nothing breaks if a model call fails.
Hosted SaaS for convenience, or a self-hosted Docker package for buyers who want to own their data outright.