RupeeFlow pulls every transaction, holding, and bill from the places you already use — then quietly figures out what you should do about it. You just approve.
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2,148 people already on the list
Agent briefing
You're ₹1.42L ahead of last month — but ₹42k is sleeping in savings.
Net worth
₹72.86 L
▲ +2.01% this month
🏢
Move ₹30k → Liquid Fund
Earns ₹1,800/yr more · one tap to approve
The problem
You don't need another dashboard. You need answers.
·Where did my money actually go this month?
·How much can I safely spend this weekend?
·Am I still on track to buy that place in Goa?
·What's my real net worth — across 11 apps?
·What should I do with this money, right now?
How it works
Three things happen, in the background.
You connect once. After that, RupeeFlow behaves like a quiet analyst who never sleeps — collecting, thinking, and proposing. Never acting without your nod.
01
It collects.
Account Aggregator for banks. Read-only OAuth for brokers. Gmail parsing for statements. SMS for real-time. All the places money lives — connected in minutes.
PPhonePeGGPayHHDFCZZerodhaGGrowwEEPFOMGmail+ 5 more
02
It analyzes.
Your agent categorizes every rupee, reconciles your real net worth, finds anomalies, and models your goals against actual cashflow.
✓
3,624 transactions categorized
✓
Net worth reconciled across 11 sources
✓
Dining anomaly detected (+38%)
✓
4 goals modeled · 1 at risk
03
It proposes.
A weekly briefing with 4 concrete moves. An investment plan that maps to your actual surplus. Every recommendation explains itself — no black boxes.
Equity
55%
Debt
25%
Gold
10%
Cash
10%
What it does for you
A financial operating system, not another tracker.
Every feature traces back to one question: “What should I actually do?” No vanity graphs. No guilt-tripping. Just clarity.
Daily briefing. Weekly plan.
Every morning, your agent tells you three things: what changed, what matters, and what needs a decision. No more scrolling through statements to figure out how you're doing.
Your investable surplus this month is ₹1.12L — a bit higher than usual. If you want, I can route ₹30k to your liquid fund and top up the Goa goal with ₹40k.
— RupeeFlow Agent · Saturday, 6:42 AM
Real net worth. Reconciled nightly.
Stocks, mutual funds, EPF, bank balances, crypto, gold, property, liabilities — everything counted, every night. See where you truly stand across every asset class in one number.
Net worth
▲ +₹1.42L this month
₹72.86 L
Equity
37.0%
Retirement
24.2%
Mutual Funds
18.4%
Goals with receipts.
“Can I retire at 55?” “Afford Goa in June?” Get a feasibility score with the math behind it, not vibes.
94%
🏠 Goa down-payment
By Dec 2028 · nudge SIP ₹1,600 to close gap
Anomalies. Caught early.
The agent notices the stuff you wouldn't. Dining up 38%. A subscription you forgot. The dividend that just hit. Idle cash losing ground to inflation. Gentle nudges, not alarms.
An investment plan that fits you.
Allocation across equity, debt, gold, and cash — calibrated to your goals, income, and existing holdings. Specific, explainable, revisable. Not a robo-advisor; an agent you can argue with.
Connected sources
It sees what you see. All of it.
The more RupeeFlow sees, the better it thinks. Connect everything once; from then on, it keeps itself current.
12 integrations at launch
Growing to 40+ by end of 2026. Request a source and we'll prioritize it.
P
PhonePe
G
Google Pay
H
HDFC Bank
I
ICICI CC
Z
Zerodha
G
Groww
C
CAMS
E
EPFO
W
WazirX
M
Gmail
S
SMS Alerts
R
Property
How we earn trust
Your data, your device. Always.
Money is private. RupeeFlow is built so the sensitive stuff never leaves your hands — and we earn our keep by the clarity we return, not by selling what we see.
End-to-end encrypted
Your ledger is encrypted on-device with a key only you hold. We can't read it — and don't want to.
RBI-licensed Account Aggregator
Bank data flows through India's regulated AA framework. Read-only. Revocable by you anytime.
Agent proposes. You approve.
Nothing moves without an explicit tap. Set policies for the routine; keep veto on everything else.
Stop tracking. Start being tracked for.
Join 2,148 people already on the list. We're onboarding privately, a few hundred at a time, starting in India.
Free private beta · No card · We'll email you when it's ready.