Private · Secure · Manual input only

Your Private AI CFO —
No Bank Login Required

Get a complete financial plan in minutes. No tracking. No data sharing. You stay in full control of your numbers.

Free to start · Premium from ₹299/month · Cancel anytime

12
questions to a full plan
₹0
bank data required
5 min
average completion
100%
data stays private

The problem with financial apps

Most tools demand full access to fix a problem that only needed your honest input.

✕ Complex apps require linking all bank accounts
→
✓ We use what you tell us — nothing more
✕ Generic advice ignoring your actual numbers
→
✓ Specific, numerical, actionable recommendations
✕ Black-box AI with no transparency
→
✓ Rule-based logic you can audit and understand

Everything you need. Nothing you don't.

🔒
No bank login. Ever.
You enter data manually. We never touch your accounts or credentials.
⚡
Plan in under 5 minutes
Answer 12 questions, get a complete personalised financial roadmap.
🧠
CFO-grade logic
Rule-based engine used by financial advisors — made accessible.
📊
Projection to freedom
See your 10-year path and your financial independence age.
Dashboard preview

See your full financial picture at a glance

Net worth, savings rate, asset allocation, and 10-year projections — all from data you control.

  • ✓Real-time net worth tracker
  • ✓Monthly surplus calculator
  • ✓Asset allocation breakdown
  • ✓FIRE age estimation
  • ✓Personalised debt strategy
Net Worth
₹14.8L
+₹2.1L this year
Monthly Surplus
₹32,000
28% savings rate
FIRE Age
47 yrs
17 years away
10Y Corpus
₹1.2Cr
at 11% CAGR

Simple, honest pricing

Start free. Unlock everything for less than a coffee.

Built around your privacy

We built Money OS because we were tired of apps demanding bank credentials to tell you to save more money.

🔒
No bank login
🛡️
No data selling
✏️
Manual input
🎛️
Full control

Ready to meet your private CFO?

Takes 5 minutes. No credit card needed for free tier.

Step 1 of 3 33% complete

Tell us about your income

Basic financial snapshot

years
Used for age-adjusted allocation strategy
₹
Include salary, freelance, rental — all sources
₹
Rent, food, EMIs, subscriptions — everything
ESTIMATED MONTHLY SURPLUS
+₹25,000

🔒 All processing happens in your browser. Nothing is sent to any server.

Financial Overview

Based on your inputs. All calculations are private and local.

Asset allocation
Projected net worth growth

Your Financial Plan

Personalised action steps based on your exact numbers.

Monthly investment breakdown

Future Projections

Based on consistent investment behaviour and estimated market returns.

10-year net worth projection

Upgrade to Premium

Scan the QR code, pay via any UPI app, and unlock your full plan instantly.

— No bank login — Cancel anytime — Data stays private — UPI payment — Not financial advice