Kniru

Kniru is an AI-powered personal finance platform that consolidates all aspects of money management into a single, secure dashboard. Users can connect banking, investment, loan, and credit card accounts to automatically track net worth, monitor spending, and receive AI-driven insights. The tool replaces manual financial tracking by providing real-time data synchronization with over 11,000 financial institutions.

Key Features

• Net Worth Tracker: Automatically calculates net worth across all linked accounts.
• Subscription Manager: Identifies and lists recurring charges to help cut unwanted subscriptions.
• Spend Analysis: Categorizes transactions and reveals patterns by category or merchant.
• Merchant Insights: Shows detailed spending at specific merchants.
• Natural Search: Allows users to query transactions using plain language (e.g., "show me movie expenses").
• AI Financial Copilot: A chat-based assistant that provides budgeting, debt, and investment advice tailored to individual habits.
• Investment Tracking: Monitors stocks, ETFs, crypto, dividends, and trade history with a portfolio x-ray for diversification analysis.
• Debt Tracker: Manages credit card balances, loans, and sends due-date alerts.
• Automated Reports: Sends daily, weekly, or monthly financial summaries via email.

Who It’s For

Kniru is designed for individuals who want a comprehensive, automated view of their finances without juggling multiple apps. It suits those who value data-driven decision-making but prefer a simple, conversational interface.

Workflow

After signing up and linking financial accounts, Kniru automatically pulls and categorizes transactions. Users interact with the dashboard or AI copilot to get insights, while reports keep them informed without constant check-ins.