Money advice that doesn't sell you anything.
Kuber.AI is a personal-CFO ecosystem built for India. An army of specialist agents that understand your money, your language, your context — and act, not just chat. Zero commissions. Zero pitch. 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 execute on your behalf. New agents join the army 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 planning & filing
Upload Form 16 or your salary slip. Get tax saved, regime picked, and ITR filed — all in one flow.
Gold Keeper
Digital gold, voice-first
Say "Mummy ko ₹500 ka gold gift karo" — done. 24K, 99.9% purity, redeemable.
Cover Coach
Insurance, decoded
Tell Kuber your age, family, income. Get the right cover — term + health — and buy in one tap.
Loan Lens
Loan against MF, EMI brain
Don't sell your MFs — pledge them. 10.5% rate, 24-hour disbursal, zero paper.
FD Finder
Fixed deposit optimizer
Best FD rate across 40+ banks, including small finance banks. Laddered for tax + liquidity.
Equity Strategist
Stocks & MFs
Real Estate Brain
Buy vs rent, home loan
Retire Planner
NPS, EPF, FIRE math
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.
Bhai 50k bachta hai, kahan lagaun?
Upload anything.
Form 16, payslip, bank statement, broker P&L. Kuber.AI reads it, asks the right next question, and gives you action.
Most "AI advisors" are just chatbots with a sales pitch.
We're different by design. No commissions, no upsells, no human-in-the-loop bottleneck. Just a network of agents working for you — and only you.
| Other AI advisors | | |
|---|---|---|
| Charges commission on products sold | Zero. Ever. | |
| Pushes the highest-margin fund | We suggest what fits you | |
| Generic AI, US-context | Sometimes | India-trained, India-only |
| Talks in Hinglish & 22 Indian languages | Native, not translated | |
| Voice-first commands | Rare | Yes, tap mic & speak |
| Specialist agents that actually execute | Buy gold, file taxes, pledge MFs | |
| Human advisor scheduling required | Often | No—24/7 chat instead |
| Reads your Form 16 / bank statements | Yes, drop & decode |
Plain English. No fine print games.
What Kuber.AI does today
Educational guidance, financial literacy, money-management tools, and execution on partner products — gold, insurance, FDs, loans against MFs, tax filing.
Pinpointed investment advice — coming soon
Stock-specific or fund-specific "buy X" advice requires SEBI Investment Adviser registration. We're working on it.
SEBI IA registration in progressZero commissions on every action
When Kuber.AI recommends an insurance plan, an FD, or a loan, we don't earn a cut. The agents are aligned with your outcome — not a payout from a partner bank.
Your data is yours
Encrypted in transit and at rest. Never sold to third parties. You can delete it anytime — and the AI forgets too.
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. Free. No subscription. No card needed.