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Meet your AI financial brain
Unlock yourfinancial wisdom
Cortex is your personal AI financial advisor. Track your spending, investments and net worth — and optimize your financial future, all in one place.
Meet your AI financial brain
Own your money.
Banks, demat, cards, loans, PPF — linked in minutes. Read-only. Never your password.
Features
One brain. Every rupee.
Cortex plugs into everything you own and everything you owe.
All your money. One place.
Banks, demat, cards, loans, PPF — linked in minutes.
SBI
Amex
Zerodha
HDFC Home LoanPPFAI Tax Optimizer
Every move is slab-aware and LTCG-smart.
₹31,200tax saved / yr
80C used₹1.18L / ₹1.5L
HRA vs newstay old regime
LTCG harvest₹4,200
Credit, optimized
CIBIL score insights and smarter card choices — no commissions.
782+12 pts
Pay card dues 3 days before due date
Keep utilisation under 30% on Amex
Avoid new hard inquiries this quarter
Pre-qualified · HDFC InfiniaApply directly to credit cards — coming soon→ 794
All your money. One place.
Banks, demat, cards, loans, PPF — linked in minutes.
SBIAmexZerodhaHDFC Home LoanPPFAI Tax Optimizer
Every move is slab-aware and LTCG-smart.
₹31,200tax saved / yr
80C used₹1.18L / ₹1.5L
HRA vs newstay old regime
LTCG harvest₹4,200
Credit, optimized
CIBIL score insights and smarter card choices — no commissions.
782+12 pts
Pay card dues 3 days before due date
Keep utilisation under 30% on Amex
Avoid new hard inquiries this quarter
Pre-qualified · HDFC InfiniaApply directly to credit cards — coming soon→ 794
Unbiased. Always.
Flat fee only. No bank pays us to push products.
₹0earned in commissions, ever
SEBI RIA · no trail commissions
No bank or AMC kickbacks
You pay us. Nobody else does.
Track everything
Simplify your money.
Connect every account and see your finances in one place — easy to find, easy to understand. UPI to EMI, nothing slips.
Build a budget
AI sets it up and tracks your progress all month long.
Food & dining₹12,400 / ₹15,000
Shopping₹8,100 / ₹10,000
Transport₹3,800 / ₹6,000
Utilities₹4,200 / ₹5,000
Ganesh Chaturthi is next week, and Food & dining is already at 83% of budget. Based on last year’s festival spend, should I raise it by ₹2,000?
See the month coming
SIPs, EMIs, bills and premiums — Never miss a due date.
August4 scheduled · ₹94,556
12345678910111213141516171819202122232425262728293031
5Mutual fund SIP₹25,000
7Home loan EMI₹42,300
18HDFC card bill₹18,340
22LIC premium₹8,916
Monitor your spending
Unused subscriptions surface first — cancel in a tap.
Netflixwatched last week₹649/mo
Disney+ Hotstarwatched yesterday₹299/mo
Cult.fitunused for 3 months₹1,500/mo
Amazon Primeused this week₹299/mo
Try cancelling the one gathering dust.
Cortex AI
Ask anything.
Cortex turns your questions into answers you can trust — personalized advice, grounded in your data, delivered instantly.
Cortex AI
grounded in your linked accounts
Grow your money
Invest with intention.
Monitor your portfolio in real time and dive deeper into every position with your AI advisor.
Asset & risk
Monitor investment performance
From EPF to crypto — each asset class against your model, live.
Indian equity
Current (40.2%)
Model (56%)
Intl. equity
Current (14.2%)
Model (24%)
Crypto
Current (25%)
Model (31%)
Cash
Current (37.6%)
Model (18.3%)
Latest across your book
RBI holds the line — gilts quietly won the week
A pause on the repo rate cooled overnight borrowing costs. Your gilt and target-maturity funds were the quiet winners; gold slipped 1.1% as safe-haven demand faded.
Dive into any position
Real-time performance, key financials, and AI insights for every holding.
Nifty 50 Index FundDirect · Growth₹4,82,140+1.2%
Parag Parikh Flexi CapDirect · Growth₹2,26,000+0.6%
HDFC BankNSE · 120 shares₹1,84,900−0.4%
TCSNSE · 38 shares₹1,52,300+0.8%
Forecasting
Forecast your future.
Model scenarios — from market shifts to life goals — and see how your money could grow over time.
Projected net worth at 60
₹4.2 Cr
Current SIPs continue as they are
₹78L₹1.9Cr₹4.2Cr
Today · ₹12.4LAge 40Age 50Age 60
You invest
₹45,000 / mo
Assumed return
11% CAGR
First crore by
age 44
Projections, not promises. Assumptions are shown with every scenario and editable in the app — historical returns do not guarantee future results.
Couples
Manage money together.
Create a shared, intelligent home for your finances. Add your partner for free.
- Shared goals and budgets, one intelligent home
- Both of you see everything — always in sync
- Personal accounts stay private if you want them to
UN
Partner added · freeHouse down payment
by 2028
₹7.2Lof ₹20L
You · ₹4.1LPartner · ₹3.1L
Joint spending this month₹68,410
Shared emergency fund₹5,00,000 · funded
Yields
Swipe away the regret.
See what your money cost you this year — then what it could earn, matched to your risk appetite.
Drag away what it cost you
Meet the insights underneath, by risk profile
What Cortex found instead
LOW RISKsovereign & AAA-rated6.8–7.6%
91-day T-Bill (RBI Retail Direct)6.84%
10-yr G-Sec7.02%
REC / PFC AAA bonds7.45%
MEDIUM RISKrated credit & index9–12.9%
Senior secured NBFC bonds9.5–10.5%
Nifty 50 index fund · 10-yr CAGR12.9%
HIGH RISKequity, volatile15%+
Nifty Smallcap 250 · 5-yr CAGR16.8%
Expect −25–30% drawdown yearsvolatile
Indicative ranges from public Indian market data. Historical returns do not guarantee future results.
DUMP IT
What slipped past you this year
FD trailed inflation, post-tax−₹9,200
Loan ran 2% above best transfer rate−₹21,000
Savings idled at 3% all year−₹11,400
Card balance revolved at 42% APR−₹6,800
Total left on the table−₹48,400
Trust
Built so you can sleep.
Short, literal claims. No badges we have not earned.
Stored in India
Accounts and transactions live on Indian infrastructure. Your money data does not wander.
Decrypted on your device
Keys stay with you. Data is decrypted on your device — never sitting with us in the clear.
Never your password
Banks stay on Account Aggregator rails. Read-only. We never see or store login secrets.
Read-only access
Cortex can look. It cannot move money, place a trade, or tap a card on your behalf.
Gone when you say so
Export or delete. Your data is gone from live systems in seconds.
Early access
Read what people say.
“Cortex is a one-stop shop for everything money in my life.”
“Added my partner in two clicks — we finally run our goals from one place.”
“Spend tracking is effortless. Net worth, FDs, SIPs — one screen, always current.”
“It caught a dead gym membership and a regular-plan fund in week one. Paid for itself.”
“The first advisor that shows its working. I checked the maths — it was right.”
“Cortex is a one-stop shop for everything money in my life.”
“Added my partner in two clicks — we finally run our goals from one place.”
“Spend tracking is effortless. Net worth, FDs, SIPs — one screen, always current.”
“It caught a dead gym membership and a regular-plan fund in week one. Paid for itself.”
“The first advisor that shows its working. I checked the maths — it was right.”
From private beta users · shared with permission
Early access
Your money is losing to inflation right now.
Join the beta. Be first when live account linking opens.
LIVE · 208 people in line
No spam. One ping when we launch. Promise.