Know the person behind the numbers
A short onboarding builds a picture of how you earn, spend, and save — so insights fit your life, not an average.
Personal finance, built for India
Your money,
finally making sense.
Kubyn tracks what comes in and what goes out, links your accounts through the RBI-regulated Account Aggregator framework, and turns the mess into something you can actually read.
- Free to start, no account linking required
- Your bank login never touches Kubyn
- Log a spend by speaking one sentence
Coming soon to Google PlaySee what it does
Kubyn is a tracking and information tool — not a bank, not an NBFC, and not a SEBI-registered adviser. It does not give financial advice.
9:41
Hey there
Where did my money go this month? 😐
₹48,250 out so far.
Food is your biggest line at ₹6,240 — that’s ₹900 more than last month.
Food38%
Travel24%
Bills18%
Want me to set a cap for next month?
Ask me anything…
SpendKAsk KubooSaveStatements
RBI-regulated Account AggregatorDPDP Act, 2023 compliantData stored in IndiaNo bank credentials collectedTLS encrypted end to endConsent you can revokeNever sold to advertisersNPCI-compliant paymentsRBI-regulated Account AggregatorDPDP Act, 2023 compliantData stored in IndiaNo bank credentials collectedTLS encrypted end to endConsent you can revokeNever sold to advertisersNPCI-compliant payments
What Kubyn does
Eight things, done properly.
No feature wall, no upsell maze. Kubyn covers the handful of jobs that actually move your finances, and stays out of the way for the rest.
Expense & income tracking
Record transactions by hand, by voice, or straight from a linked account — categorised and summarised automatically.
Voice entry
Say what you spent and Kubyn writes it down. No forms, no dropdowns, no typing on a bus.
Account Aggregator linking
Connect bank accounts through India's RBI-regulated AA framework. Kubyn never sees or stores your bank login.
UPI & bill payments
Pay through authorised partners under NPCI and RBI rules. Kubyn is the interface — it never holds your money.
Savings goals
Set a target, log contributions, and watch the gap close. Kuboo nudges you when you drift.
Calculators & insights
SIP, EMI, and savings calculators alongside spending analysis drawn from your own numbers.
Statements
Export everything you have recorded in Kubyn as a PDF or Excel file, whenever you want it.
Chat assistant
Ask plain questions about your money and get plain answers, grounded in the data you have already recorded.
Inside the app
Built around how people actually think about money.
See where it actually goes
Every transaction lands in a category. Patterns you would never spot in a bank statement show up in a week.
Plan the part that matters
Turn intentions into goals with real numbers attached, then track contributions against them over time.
Talk to Kuboo
Speak a transaction and it is logged. Ask a question and you get an answer built from your own records — with a reminder to check anything important against your bank.
Statements on demand
Export what you have recorded as PDF or Excel for your own reference. These summarise your Kubyn data — they are not bank statements.
How it works
Four steps, then it runs itself.
- 01
Sign up
Verify your mobile number, set a Security PIN, and answer a short profile screening. Two minutes, no paperwork.
- 02
Link or log
Connect accounts through a licensed Account Aggregator, or skip it entirely and record transactions yourself.
- 03
Watch it sort itself
Transactions land in categories, budgets fill up, and goals track their own progress without you maintaining a sheet.
- 04
Ask anything
Talk to Kuboo about your spending, export a statement, or run a calculator — all against your own numbers.
Ask Kuboo
Your money,
in plain English.
Type it or say it. Kuboo logs the transaction, answers the question, and shows its working — always from the records you have already put in Kubyn.
Answers summarise your own recorded data. They are not financial advice, and anything that matters should be checked against your bank.
Kuboo
Reading your Kubyn records
How much did I spend on food this month?
₹6,240 across 18 transactions — about 13% of everything you logged this month, and ₹900 more than last month.
Spent 320 on lunch
Logged ₹320 to Food. That takes this month to ₹6,560.
- 0
- Bank credentials stored. Linking runs entirely through a licensed Account Aggregator.
- 8
- Features, each one finished — no upsell maze and no half-built tabs.
- 48h
- To acknowledge a formal grievance, as the IT Act and DPDP Act require.
- 30d
- Maximum time from a deletion request to full erasure or anonymisation.
Security & privacy
The boring parts, taken seriously.
Kubyn handles financial data, so the defaults are conservative and the promises are specific. Everything here is written out in full in the Privacy Policy.
Your PIN is never stored
The Security PIN is kept only as a cryptographic hash. Nobody at Kubyn can read it, and we will never ask you for it or for an OTP.
No bank credentials, ever
Account linking runs entirely through a licensed Account Aggregator. Your bank username and password never touch Kubyn.
Consent you control
Every AA consent states what is fetched, from where, why, how often, and for how long — and you can pause or revoke it at any time.
Encrypted in transit
All traffic runs over TLS. Sensitive fields are hashed or encrypted at rest, with role-based access and audited login activity.
Sessions you can see
Active devices and login history are visible in the app. Unusual activity ends the session and forces re-verification.
Never sold, never advertised
We do not sell personal data and we do not use your financial data for third-party advertising. That is a commitment, not a setting.
Stop guessing where it went.
Kubyn is free to start, works without linking a single account, and never asks for your bank password.
Coming soon to Google PlayTalk to support
Policies & help