Kniru

Kniru – AI-Powered Personal Finance is an AI-driven financial management platform that helps you track, manage, and optimize your money in real time. It combines accounting, portfolios, debt, and insights into one secure dashboard, with natural language search and AI copilots to assist budgeting and planning. The system emphasizes accessibility, security, and free core features, with premium options for power users.

How Kniru Works

1. Connect your financial accounts. Link banking, investment, loan, and credit card accounts (over 11,000 institutions supported).
2. Get a unified view. All finances appear in one secure dashboard with real-time updates.
3. Ask in natural language. Use plain language queries like “show me movie expenses” to fetch relevant data.
4. Utilize AI insights. Kniru AI provides budgeting advice, debt guidance, and investment analysis tailored to your habits.
5. Monitor and optimize. Track net worth, budgets, spending patterns, and portfolio health with automated insights and reports.

Core Capabilities

• Net Worth Tracker
• Subscription Manager
• Actionable Spend Analysis
• Merchant Insights
• Natural Language Search
• All Finances in One Dashboard
• AI Powered Financial Copilot
• Investment & Portfolio Tracker (stocks, ETFs, crypto)
• Investment Trade History
• Debt Tracker
• Portfolio X-Ray for diversification and risk
• Daily, Weekly & Monthly Reports
• Security backed by bank-level encryption and zero-knowledge architecture

How to Use Kniru

• Sign up for free and connect your accounts
• Explore dashboards and run natural language queries
• Review AI insights and adjust budgets, debt repayment, and investments accordingly
• Enable reports to receive automated summaries

Safety and Privacy

• Core features are free forever
• Bank-level encryption, multi-factor authentication, and zero-knowledge architecture
• Your data ownership and privacy are prioritized

Core Features

• Free core features with optional premium AI features
• Unified dashboard for banking, investments, loans, and credit cards
• Real-time data syncing across connected institutions
• AI-powered financial copilot for budgeting, debt, and investments
• Investment tracking and performance analytics
• Portfolio diversification analysis and risk awareness
• Automated reports and summaries