Straight answers about your money. Nothing to sell.
Kuber.AI is an agent ecosystem built for India. Specialist agents that understand your money, your language and your context — and do the work, not just chat. No pitch. No upsell. Just answers.
Not one chatbot. An army of agents.
Each agent in the Kuber.AI network is a specialist — trained on Indian financial context, plumbed into real action. They talk to each other, hand off context, and do the work. New agents join every quarter.
Scam Shield
Fraud & message verifier
Forward any "your KYC will be blocked" SMS, weird WhatsApp link, or PAN-update email. Get a clean read in seconds.
Tax Pilot
Tax filing
Nothing to upload — Tax Pilot reads your Form 16, AIS and 26AS straight from the income tax portal, picks your regime, and files your return. Live now.
Gold Keeper
Digital gold, voice-first
Say "Mummy ko ₹500 ka gold gift karo" — done. 24K, 99.9% purity, redeemable.
Sold by SafeGold. Distributed by Simplify Money Private Limited, which earns a distribution margin. Whether to buy gold is your decision.
Cover Coach
Insurance, decoded
Tell Kuber your age, family and income and see what term and health cover costs — then buy in one tap.
Plans are from our insurance partners. Distributed by Simplify Money Private Limited, which earns a distribution commission. Which cover you buy is your decision.
Loan Lens
Loan against MF, EMI maths
Don't want to sell your MFs? Pledge them instead. See the rate, the eligibility and the EMI before you apply. 24-hour disbursal, zero paper.
Loans against mutual funds are provided by our RBI-regulated lending partners, not by Kuber.AI. Pledging your units is your decision — nothing here is a recommendation to pledge, hold or sell any security.
FD Finder
Fixed deposit rates
Compare FD rates across 40+ banks, including small finance banks, in one place.
Deposits are booked with the issuing bank, not with Kuber.AI. Distributed by Simplify Money Private Limited, which earns a distribution commission. Which deposit you book is your decision.
Real Estate Brain
Buy vs rent, home loan
Retirement Maths
NPS, EPF, FIRE calculators
More platform than chatbot.
Voice, vernacular, and file intelligence — built for how Indians actually talk about money.
Bol ke kaam karwao.
Hold the mic. Say it like you mean it. Kuber.AI parses intent, picks the right agent, and acts.
"Bhai, mummy ko Diwali pe ₹2000 ka gold gift kar dena."
Aapki boli, aapka comfort.
No "kindly elaborate your query." Kuber.AI replies in the same language and tone you wrote in — warm, professional, and easy to follow.
Is mahine kitna bacha?
Upload anything.
Form 16, payslip, bank statement, broker P&L. Kuber.AI reads it, asks the right next question, and gives you a clear read.
Most money chatbots are a sales pitch with extra steps.
We're different by design. No pitch, no upsell, no human-in-the-loop bottleneck — a network of agents that does the work and tells you what it found.
| Other money chatbots | | |
|---|---|---|
| Pushes the highest-margin product | Often | Never. Kuber.AI sells you nothing |
| Tells you what it earns | — | Stated on every product |
| Generic AI, US context | Sometimes | India-trained, India-only |
| Hinglish & 22 Indian languages | — | Native, not translated |
| Voice-first commands | Rare | Yes — tap mic and speak |
| Agents that actually do the work | — | Buy gold, file taxes, verify a scam |
| Reads your Form 16 / bank statements | — | Yes — drop & decode |
| Says plainly what it can't do | Rare | Yes — see Where we stand today |
Plain English. No fine print games.
Pinpointed investment advice requires SEBI Investment Adviser registration. We're working on it — our application is under review.
SEBI IA registration in progressWhat Kuber.AI does today
- Educational guidance and financial literacy
- Money-management and tracking tools
- Analytics and insights on your own data
- Conversational income tax filing
- Execution on partner products: gold, insurance, FDs, loans against MFs
What it doesn't do yet
- Recommend specific stocks or mutual funds
- Analyse your portfolio
- Build you a financial plan
- Tell you what to buy, or when
How we earn
- Kuber.AI sells you nothing and takes no cut of a conversation.
- The core app is free. A paid subscription plan is available inside Simplify Money — priced in the app, never charged without your choice.
- Partner products are distributed by Simplify Money Private Limited, an AMFI-registered mutual fund distributor (ARN 363095), which earns a distribution commission from the provider.
- Each product states who sells it and who earns, on the screen, before you confirm.
Your data is yours
- Encrypted in transit and at rest.
- Never sold to third parties.
- Delete it anytime — and the AI forgets too.
Nothing here is investment advice. You make your own decisions. Historical returns are not future results. Neither Turvas Technology Solutions Private Limited nor Simplify Money Private Limited is a SEBI Registered Investment Adviser, yet.
Kuber.AI lives inside Simplify Money.
Download Simplify Money — India's AI-powered personal finance app — and Kuber.AI is right there, ready to chat. The core is free and no card is needed to start. A paid subscription plan is available if you want it, and you see its price and what it covers in the app before you subscribe.