AI Personal Finance App for India
Track expenses, invest, learn, file tax & talk to your money, all in one AI app, in a gamified way. Safe, secure & no hidden charges.
4.5★ Rating
- Analytics & Insights
- Money & Goal Tracking
- Conversational Income Tax Filing
- Gamified Learning & Money Games
- Kuber.AI — Your Personal CFO
Master Your Money.
An AI money companion for young earners in India, built to make tracking, understanding and learning about your money simple.
See My Financial Health Score →Personal Finance Insights, Savings & Products
Track spending, see your financial health, explore insurance options, buy 24K digital gold, and get a clear, personalised view of your money, all in one place.
Financial Insights & Analytics
Monitor your spending patterns, idle cash, burn rate and savings in one place, with insights and analytics built on your own data.
Digital Gold
Start small with 24K digital gold from just ₹10 and buy, hold, or gift it anytime using voice commands or a few quick taps.
Insurance
Browse insurance plans from our partners. 100% online, no hidden charges, and full transparency.
Four things we do for your money.
Everything you need to track your money, understand it, learn about it, and get the admin off your plate.
Analytics & Insights
Every account in one view.
Track all your bank accounts, cards, loans and holdings in one place to understand your spending, your savings and your idle money.
Money & Goal Tracking
See where your money goes, and what your goals need.
Set a goal and see the target, the timeline and how much is left. We show you the numbers. The decisions stay yours.
Learn & Play
Money literacy that isn't homework.
Modules, stories and explainers, plus AI-based money games, quizzes and simulations that build real habits. Earn rewards as you go.
AI Agents for Money Admin
Tax planning, Scam Shield, reminders.
Agents that handle the paperwork: plan your advance tax and 80C deductions, check a suspicious message, never miss a due date.
Coming Soon
Landing in the next 4 weeks.
Money games, and a sharper view of your own money.
AI-based money games, deeper literacy modules and richer analytics on your own data. Phased rollout already in progress.
How we're different.
Other apps hand you charts. We explain what they mean, in your language.
| Feature | Other Personal Finance Apps | Simplify Money |
|---|---|---|
| All your money in one view | Partial | Banks, cards, loans, holdings |
| Making sense of the numbers | Dashboards & charts | Plain-language explanations |
| Tax planning inside the app | Advance tax, 80C, FY-end | |
| AI money insights | Basic analytics | Built on your own data |
| Learning & money games | Rare | Modules, quizzes, rewards |
| Idle money detection | Spot idle cash | |
| Goal tracking | Sometimes | Target, timeline, progress |
| In your language | English only | 22 Indian languages |
How It Works
Download The Simplify Money App Now
Get Your Financial Health Score For Free And Earn Rewards
Play Store
App Store
What people are saying.
4.5★+ across Play Store and App Store. 50,000+ downloads and counting.
"Super clean app. Pulls salary, UPI, cards into one view, and tells me where I'm leaking. No charts I have to interpret myself."
"Asked it to explain my own spending in Hindi. First money app that actually made sense to me."
"Bought my first digital gold from inside a chat. 24 seconds, ₹100. Now I'm doing it every Friday."
Featured In
Awards & Recognition
Download The App Today
Let's achieve financial goals together with Simplify Money App
We're Here to Help!
Have questions or need assistance? Our team is ready to provide support and guidance tailored to your needs.
Contact Us Today
Your feedback and inquiries are important to us. Fill out the form below, and we'll get back to you as soon as possible!
We are not a SEBI Registered Investment Adviser, yet.
Pinpointed investment advice requires SEBI Investment Adviser registration. We're working on it — our application is under review.
What we do
- Financial literacy: modules, stories, explainers
- AI-based money games, quizzes and simulations
- Analytics and insights on your own data
- Tracking of your money, accounts and goals
- Conversational income tax filing
- AI agents for money admin: Tax Pilot, Scam Shield, reminders
What we don't do yet
- Recommend specific stocks or mutual funds
- Analyse your portfolio
- Build you a financial plan
- Tell you what to buy, or when
Nothing in the app is investment advice. You make your own decisions. Products you can buy through the app — digital gold, deposits, insurance, mutual funds — are distributed by Simplify Money Private Limited, an AMFI-registered mutual fund distributor. Read the full compliance note →
Frequently asked questions.
Are you a SEBI Registered Investment Adviser?
No, not yet. Our application for SEBI Investment Adviser registration is under review.
Until it is granted, we can show you your own money, explain it, and help you learn — but we cannot recommend specific investments or build you a financial plan. Everything you see in the app is information, not advice, and every decision is yours.
Will Kuber.AI tell me which mutual fund or stock to buy?
No. Not until we are registered.
Ask Kuber.AI what a term is, how your spending changed, how far your goal is, or what a line on your statement means, and it will answer. Ask it what to buy, and it will tell you it can't — and why.
What's the difference between guidance and advice?
Advice is someone telling you what to do with your money: buy this fund, sell that stock, put ₹15,000 here every month. In India that is a regulated activity and needs SEBI registration.
What we offer is information about your own money: what you have, where it went, what a goal needs, what a term means. We describe. We don't direct.
Which companies are behind Simplify Money?
Two. Turvas Technology Solutions Private Limited owns the Simplify Money brand and builds the app. CIN U62010UP2023PTC191807, a DPIIT-recognised start-up (DIPP153513).
Simplify Money Private Limited, its subsidiary, is an AMFI-registered mutual fund distributor (ARN-363095) and is the entity through which financial products are distributed. CIN U66290UW2026PTC253434.
Both are registered at A-130, A Block, Sector 63, Noida 201301. Full details are in the footer.
