Save₹69.6K/yr
Cap food delivery at ₹6,000 a month
You ordered 26 times in September. Half that still feels like a treat and frees ₹5,800 a month for your home fund.
Managing money is hard. You shouldn't have to do it alone. Kosh reads your statements, cuts your tax, plugs your leaks and grows your savings, every single day.
Riya's tax this year
New saves ₹83,085
You kept 24% this month. Delivery took the rest.
Capping Swiggy at ₹6,000 funds your home SIP.
Reads statements from every bank you use.
Kosh is the private CFO that reads every statement you have, works on your money every single day, and turns it into one clear plan you'll actually follow.
From Kosh's first review of a sample profile: six months of HDFC and ICICI statements.
You earn well.
You just can't see where it goes.
Your statements are locked.
Literally.
You meant to save tax.
March 31 came first.
The card bill was paid.
Mostly.
One CFO for every account you have. Drop in your statements; Kosh maps your money, writes your plan, and keeps working on it while you get on with your life.
It does the work a good financial adviser would, on every statement, every day, at a fraction of the cost.
Bank, card, CAS, salary slip. PDF, CSV or a photo, from any Indian bank.
Old vs new regime on your real numbers, deductions that actually help, every deadline.
Forgotten subscriptions, card interest, delivery creep. Found, priced, fixed.
Home, retirement, a child's education. A monthly SIP for each that updates as you do.
Card dues, SIP dates, renewals and a Sunday digest, before anything slips.
Nifty, the rupee, gold, the Fed. What moved and what it means for your SIPs.
Real Kosh screens, rendered live. Yours are designed around your own numbers.
Net worth, cashflow and savings rate across every account, month by month.
Money in and out, May to Oct. Income, latest ₹1.85L. Spending, latest ₹98.7K.
| Date | Income | Spending |
|---|---|---|
| May | ₹1.86L | ₹99.6K |
| Jun | ₹1.86L | ₹92.6K |
| Jul | ₹1.86L | ₹1.29L |
| Aug | ₹1.86L | ₹98K |
| Sep | ₹1.86L | ₹1.15L |
| Oct | ₹1.85L | ₹98.7K |
Every UPI, EMI and subscription, categorised and de-duplicated.
Where September went. Spent ₹1,00,047. 🏠 Rent & Housing, ₹42,000, 42%. 👪 Family & Support, ₹16,000, 16%. 🛵 Food Delivery, ₹13,177, 13%. ✈️ Travel, ₹11,840, 12%. 🛒 Groceries, ₹10,707, 11%. 🛍️ Shopping, ₹4,848, 5%. 🔁 Subscriptions, ₹1,475, 1%.
| Segment | Value | Share |
|---|---|---|
| 🏠 Rent & Housing | ₹42,000 | 42% |
| 👪 Family & Support | ₹16,000 | 16% |
| 🛵 Food Delivery | ₹13,177 | 13% |
| ✈️ Travel | ₹11,840 | 12% |
| 🛒 Groceries | ₹10,707 | 11% |
| 🛍️ Shopping | ₹4,848 | 5% |
| 🔁 Subscriptions | ₹1,475 | 1% |
Both regimes, to the rupee, using rules researched from current law.
Riya's tax this year
New saves ₹83,085
Every goal gets a plan, a date and a monthly SIP that adjusts as you go.
₹3.18L of ₹7.2L · by Oct 2027
SIP ₹31,900/month gets you there
Six months of spending
₹6.84L of ₹25L · by Apr 2031
SIP ₹24,500/month gets you there
Most finance apps give everyone the same charts. Kosh's AI decides what you should see today, and redesigns your screens when your numbers, the rules or the markets change.
Same app, different person, completely different screen. Ask Kosh to “show me this differently” and it redesigns on the spot.
Design mineYou kept 24% this month. Delivery apps took the rest.
Swiggy and Zomato were ₹11,840 in September, up 62%. Capping them at ₹6,000 funds your home SIP.
Money in and out, Apr to Sep. Income, latest ₹1.85L. Spending, latest ₹1.41L.
| Date | Income | Spending |
|---|---|---|
| Apr | ₹1.85L | ₹1.18L |
| May | ₹1.85L | ₹1.22L |
| Jun | ₹1.85L | ₹1.18L |
| Jul | ₹1.85L | ₹1.24L |
| Aug | ₹1.85L | ₹1.23L |
| Sep | ₹1.85L | ₹1.41L |
You ordered 26 times in September. Half that still feels like a treat and frees ₹5,800 a month for your home fund.
On your salary the old regime only wins with ₹2.7L more in deductions than you make.
Kosh works out your tax both ways on your real salary, rent and investments, tells you which regime wins and which deductions are worth it, and reminds you before every deadline.
On your salary the old regime only wins with ₹2.7L more in deductions.
26 orders in September. Half that still feels like a treat.
Ask in plain words. Kosh answers with your numbers, today's markets and current tax law, and saves the plan to your dashboard.
Yes, but not on today's plan. A 20% down payment is ₹24L; you're on track for ₹15.6L by 2031. Raise your home SIP from ₹18,000 to ₹29,500 and you get there, with your emergency fund intact.
Goal saved · SIP reminder set for the 5th
A fee-only adviser costs ₹25,000 to ₹1,00,000 a year and sees you twice. Kosh reads every statement and works every day.
₹0 forever
A first look at what your CFO would do.
₹19,999 / year
₹1,667 a month · you save ₹4,001
UPI, cards and net banking through Dodo Payments. Cancel anytime.
Real lines from Kosh's reviews of three sample profiles.
You kept 24% this month. Delivery apps took the rest.
Aanya's college fund is ₹3.1L behind. ₹4,500 more a month closes it.
Your card is charging you ₹1,890 a month. Clearing it beats any investment.
Switch to the new regime. It saves you ₹83,086 this year.
You kept 24% this month. Delivery apps took the rest.
Aanya's college fund is ₹3.1L behind. ₹4,500 more a month closes it.
Your card is charging you ₹1,890 a month. Clearing it beats any investment.
Switch to the new regime. It saves you ₹83,086 this year.
Investing the spare ₹2L likely beats prepaying your 8.6% loan by ₹56,000.
Audible and YouTube Premium: ₹388 a month you didn't miss. Cancelled.
There's no health cover anywhere in your statements. One bill would wipe your fund.
Advance tax is due 15 December on your rental income. About ₹18,400.
Investing the spare ₹2L likely beats prepaying your 8.6% loan by ₹56,000.
Audible and YouTube Premium: ₹388 a month you didn't miss. Cancelled.
There's no health cover anywhere in your statements. One bill would wipe your fund.
Advance tax is due 15 December on your rental income. About ₹18,400.
Everything you'd want to know before you hand Kosh your statements.
Any Indian bank or credit card statement as a PDF, CSV or even a photo: HDFC, ICICI, SBI, Axis, Kotak and the rest. Your CAMS or NSDL consolidated account statement maps your mutual funds and demat holdings. Overlapping statements merge automatically.