Personal finance assistant
Your money, handled. Just say it.
Kuber.AI is a team of AI agents for personal finance. Tell it what you need, by voice or text, in your own language, and it gets it done.
One assistant. Every money job.
Managing money in India means a dozen apps, a dozen logins and a lot of forms. Kuber.AI replaces all of that with one conversation.
Behind it is a growing team of specialist AI agents, each built for one money job. You never have to pick one. Say what you want, and Kuber.AI works out which agent should handle it and does the actual task. You don't get a link or an explanation of how to do it yourself.
Every agent works from the same picture of your money: your income, spending, investments, taxes and insurance. So the answer you get is about your situation, not a generic one.
Just ask
"File my ITR."
It reads your Form 16, AIS and 26AS, compares both tax regimes and files your return, whichever ITR form applies to you.
"Start a ₹2,000 SIP."
It invests in mutual funds for you, as a lumpsum or a SIP, and tracks every fund you already hold.
Mutual funds are distributed by Simplify Money Private Limited, an AMFI-registered mutual fund distributor (ARN 363095), which earns a distribution commission. Which fund you choose is your decision.
"Where did my money go this month?"
It shows your biggest spending categories, subscriptions you've forgotten about, and how many days your money will last.
"Is this message a scam?"
It checks the SMS, link or email, tells you what gave it away and what to do next.
"Mummy ko ₹500 ka gold gift karo."
It buys 24K digital gold, one-time, as a monthly SIP, or as a gift.
Sold by SafeGold. Distributed by Simplify Money Private Limited, which earns a distribution margin. Whether to buy gold is your decision.
"Best 1-year FD?"
It compares rates across banks, with the deposit insurance cover shown next to each one.
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.
"How much term cover do I need?"
It prices term and health cover across insurers and explains the fine print in plain words.
Plans are from our insurance partners. Distributed by Simplify Money Private Limited, which earns a distribution commission. Which cover you buy is your decision.
"I need ₹2 lakh without selling my funds."
It shows what you can borrow against your mutual funds, and the rate and EMI, before you apply.
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.
The team keeps growing. New agents join as we build them, and there's no new app to learn.
Voice-first. In your language.
Hold the mic and say it the way you'd say it to a friend. "Bhai, mummy ko Diwali pe ₹2,000 ka gold gift kar dena" becomes a gift, a recipient and an amount, with no form to fill in.
Kuber.AI works in 22 Indian languages, and in Hinglish too. It replies in the language you asked in, not translated from English, and the disclosures come in that language as well.
Drop a document, get an answer
A Form 16 or an old return as a PDF, a bank statement as a spreadsheet, a photo of your salary slip. Drop it in, and Kuber.AI reads it so you can ask questions about it. It already knows your money, so it doesn't have to keep asking.
Honest about what it does, and how it earns
The conversation earns nothing. A question about your rent, your tax regime or your emergency fund has no product attached to it.
Where there is a product, such as gold, insurance, an FD, a loan or a mutual fund, the screen tells you who provides it and who earns before you confirm. Products are distributed by Simplify Money Private Limited, an AMFI-registered mutual fund distributor (ARN 363095), which earns a distribution commission.
What it doesn't do yet: recommend specific stocks or mutual funds, build you a financial plan, or tell you what to buy and when. That needs SEBI registration as an Investment Adviser. Our application is under review.
What it does today
- Income tax filing, whichever ITR form applies
- Mutual fund investing: lumpsum, SIP, and tracking the funds you hold
- Money-management, tracking and insights on your own data
- Scam checks on messages, links and emails
- Partner products: gold, insurance, FDs, loans against mutual funds
What it doesn't do yet
- Recommend specific stocks or mutual funds
- Build you a financial plan
- Tell you what to buy, or when
Your data is yours
Encrypted in transit and at rest. Never sold to third parties. Delete it any time — and the AI forgets too.
A money conversation can carry your salary, your loans and your family's plans, so here is plainly how it is handled.
Stored in India
Stays inside Indian shores
Your data is stored on servers located in India. It does not leave the country.
Private by design
Not shared with outside AI models
Your conversations and documents are not shared with external LLM providers.
Encryption
Triple-layer, AES-256
Data is protected by three layers of encryption built on AES-256, both while it moves and while it is stored.
Training
Never used to train AI
What you tell Kuber.AI is not used to train any AI model, ours or anyone else's.
Anonymised
No one can tell who is talking
Conversations are anonymised, so nobody looking at them can work out who they belong to.
Control
Yours to delete
Delete your data whenever you like and the AI forgets it too. It is never sold to third parties.
Who runs Kuber.AI
Turvas Technology Solutions Private Limited
- CIN
- U62010UP2023PTC191807
- Address
- A-130, A Block, Sector 63, Noida 201301
- Status
- DPIIT recognised start-up (DIPP153513)
Owner of the Kuber.AI and Simplify Money brands. Builds and operates both.
Simplify Money Private Limited
- CIN
- U66290UW2026PTC253434
- Address
- A-130, A Block, Sector 63, Noida 201301
- ARN
- 363095 — AMFI-registered mutual fund distributor
A subsidiary of Turvas Technology Solutions Private Limited. Distribution of financial products sits with this entity.
Neither entity is a SEBI Registered Investment Adviser. Our application is under review. Where we stand today →
Frequently asked questions
Is Kuber.AI a SEBI Registered Investment Adviser?
No. Neither Turvas Technology Solutions Private Limited nor Simplify Money Private Limited is a SEBI Registered Investment Adviser, and the application is under review. Everything Kuber.AI publishes is educational. It is not a recommendation to buy, sell or hold any security.
Does Kuber.AI cost anything?
Kuber.AI's core is free — chatting with the agents, educational guidance, money tracking, and analytics on your own data. A paid subscription plan is also available inside Simplify Money; you see its price and what it covers in the app before you subscribe, and you are never charged without choosing it. Separately, partner products such as insurance, digital gold, fixed deposits and loans against mutual funds are distributed by Simplify Money Private Limited, an AMFI-registered mutual fund distributor (ARN 363095), which earns a distribution commission from the provider — disclosed on the product screen before you confirm. There are no hidden charges, and no claim that everything is free forever.
Which languages does Kuber.AI understand?
22 Indian languages, including Hindi, Tamil and Bengali, plus Hinglish, by voice or text. Replies come in the language you asked in.
Can Kuber.AI file my income tax return?
Yes. It reads your Form 16, AIS and 26AS from the income tax portal, compares both regimes, files your return, whichever ITR form applies, and tracks your refund.
Can Kuber.AI invest in mutual funds for me?
Yes. It can invest a lumpsum or start a SIP on your command, and track all the funds you already hold. It won't tell you which fund to buy. That choice is yours.
Can Kuber.AI tell me which mutual fund to buy?
Not yet. Kuber.AI does not recommend specific stocks or mutual funds, does not build you a financial plan, and will not tell you what to buy or when. That needs SEBI registration as an Investment Adviser, and our application is under review.
What happens to my financial data?
It is encrypted in transit and at rest, and never sold to third parties. Delete it at any time and the AI forgets it too.
Try it in your own words
Ask Kuber.AI something you'd ask a friend about money. It's free, and it speaks your language.
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