FinSaara — Your whole money picture, intelligently

The operating system for personal finance · India

Your wholemoney picture,intelligently.

Net worth, expenses, an 850-point health score, and an AI advisor that actually knows your numbers — together in one app, built for India on the RBI Account Aggregator.

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Explore the toolbox

🔒 RBI Account Aggregator👁️ Read-only access🚫 We never hold your money

💰 Net worth✦🧾 Expenses✦📊 850 health score✦✨ AI advisor✦🎯 Planner✦🏦 RBI Account Aggregator✦🔒 Read-only✦🇮🇳 India-first✦💰 Net worth✦🧾 Expenses✦📊 850 health score✦✨ AI advisor✦🎯 Planner✦🏦 RBI Account Aggregator✦🔒 Read-only✦🇮🇳 India-first✦

( The problem )

Your money lives in eleven different apps. None of them talk.

FinSaara is the one that does. We pull every account into a single, living picture — then layer on intelligence so you always know your next best move.

The toolbox

Five tools.
One source of truth.

Scroll →

01 / 05

Net worth, live

Bank balances, mutual funds, FDs, NPS, equity, insurance and credit cards — assets minus liabilities, updated as your accounts move. One number you can finally trust.

Account AggregatorTrend chartSnapshots

Net worth

₹42.8L

↑ ₹1.2L this year

🏦 Bank📈 MF🏠 FD

02 / 05

Expenses & cash flow

Income, rent, EMIs and subscriptions read automatically from your linked accounts. See where money goes and what's left over — with an AI coach watching your back.

Bank syncEMI trackerMonthly surplus

Expenses

May spend₹68,200

🏠

🚗

🛒

+ ₹12,400 surplus

03 / 05

850-point health score

Emergency fund, insurance cover, savings rate and debt ratios rolled into one honest hygiene score — with the exact moves that push it higher.

BreakdownHistoryAction tips

Health score

712

🛡️Emergency fund✓

💳Card utilisation✓

📉Debt ratio!

04 / 05

An advisor that knows your numbers

Ask in plain English. Every answer is grounded in your real balances and cash flow — SIP vs prepay, ESPP, an Amex spend, a big purchase. India-first, always.

Context-awarePlain EnglishIndia-first

AI coach

💬Should I increase SIP or prepay home loan?

✨Fix emergency fund first (2.1 mo → 6 mo), then split surplus 60/40 SIP vs prepay.

05 / 05

Plan the big moves

A home, retirement, a debt payoff — run what-if scenarios on your actual numbers, backed by regulated research, so the next decade isn't a guess.

GoalsWhat-ifRA-backed

Planner

🏡 Home down payment34%

🌴 Retirement corpus18%

🎓 Child education52%

Financial health

One number for
your whole financial life.

Emergency fund, insurance cover, savings rate and debt ratios — distilled into a single 850-point score, with the exact moves that push it higher.

🛡️Emergency fund

🏥Insurance cover

💸Savings rate

📉Debt ratios

of 850

Good · improving

✨ AI advisor

I have ₹40k surplus this month. Increase my SIP or prepay the home loan?

Your emergency fund is at 2.1 months — top it to 6 first. After that, split the surplus 60/40 toward your SIP and prepayment. At your rate that clears the loan ~3.5 years early.Based on your real balances · not advice

Ask anything

An advisor that
knows your numbers.

No generic tips. Every answer is grounded in your real balances, cash flow and goals — in plain English, tuned for how India actually saves, invests and borrows.

How it works

From scattered to sorted.

🔗01

Link in minutes

Connect your accounts through the RBI-regulated Account Aggregator — an OTP on your bank's screen, read-only. No passwords, ever.

🧠02

We do the math

Balances, cash flow, EMIs and investments come together into your net worth, a health score, and clear monthly surplus.

🧭03

You decide, confidently

Ask the AI advisor anything, run what-if plans on real numbers, and act — knowing exactly what each move does to your money.

Modules, one app

Net worth → planning

Point health score

Honest financial hygiene

Read-only access

We never move your money

Account types linked

Banks, MFs, NPS, cards…

FinSaara

Saara paisa · ek jagah

Net worth, expenses, health score & purchase guidance — your whole money picture.

Early access

Be first
in line.

Join the waitlist and we'll email you the moment FinSaara is ready to try. No payment, no spam — just your whole money picture, finally in one place.