Atlas v1.0 · Now in beta · India & US

Your whole
financial life,
in one place.

The only personal-finance OS that handles your full Indian and US financial life — with an AI that understands both.

Join early access ↗ Watch the 90s tour
10+Asset classes
India + USLive now
Bank-gradeEncryption
Connects to
CAMS KFintech Zerodha Upstox Groww HDFC ICICI SBI
NSE BSE Fidelity Schwab Robinhood Chase BofA
The whole point

Stop worrying
about money.
Start living.

Atlas handles the numbers — so you get back to the moments that actually matter.

What's inside

Built for the way
your money actually moves.

Spends and net worth, side by side. A single tap to add anything. AI that understands your life — not just your transactions.

See your money
Dashboard
Every account, in one swipe.
Real card-style carousel for your bank, credit, savings and investment accounts. Switch between "All Accounts" and any single one to see income, expenses and invested capital.
Capture
Add a spend, or sync them all.
Type one in three taps when you want to. Or connect GPay, PhonePe, Paytm and your credit cards — Atlas pulls every transaction in, categorised and dedupes against your manual entries.
AMOUNT
₹ 1,250
OR AUTO-SYNC FROM
GPaySupports sync
PhonePeSupports sync
PaytmSupports sync
Credit cardsSupports sync
Analytics
Sankey, sparklines & honest comparisons.
See exactly where every rupee went, and how this month stacks against last. No vanity dashboards — just the truth in tasteful charts.
Stay on track
Budgets
Stay on track without nagging.
Per-category limits, a monthly progress ring, and gentle alerts only when you actually need them.
Coming soon
Goals
Save for what matters most.
Name it, fund it, track it. Savings targets, visual milestones and smart nudges when you drift off-pace — tightly integrated with your budget and net worth.
Emergency Fund
Target: ₹3,60,000 · 6 months
68%
Europe Trip
Target: ₹1,50,000 · Dec 2025
42%
New MacBook
Target: ₹2,00,000 · Mar 2026
91%
AI Forecast
Where you'll land at month-end.
Keeva forecasts your income, outflows and savings rate — with recurring charge detection and category-level trends.
Projected outflows
₹68,400
May 1Day 26May 31
Net
+₹1.32L
Savings rate
28.4%
5 recurring charges detected ₹12,400
Grow your wealth
Net worth
Equity · MF · Real Estate · FD · Gold.
One number that covers every asset class you own. Drill into any category for holdings, returns and XIRR. Full breakdown ↓
Equity · 38%₹14,82,400
Mutual Funds · 24%₹9,40,820
Real Estate · 16%₹62,00,000
Fixed Deposits · 16%₹6,20,000
Gold & Metals · 6%₹2,18,400
Corpus Planner
Emergency & medical buffers, built for your life.
Keeva calculates exactly how much you need based on your monthly spend, income, and family size — and tells you precisely how to close the gap.
Emergency Fund Gap Action needed
6 months of expenses (₹3,60,000) needed. You're ₹1,24,000 short.
Push ₹20k/month → covered in 6 months
Medical Corpus Building
Target ₹10L for your income bracket. Metro hospitals: ₹8–20L for serious surgery.
Savings Intelligence
Is your idle cash actually working?
Keeva calculates the effective annual interest rate your savings accounts are earning — benchmarked against what's actually available in the market today.
6.8%
effective annual rate
Excellent
You're earning above the typical savings account rate — likely a small finance bank, liquid fund, or arbitrage fund.
Account breakdown
HDFC Savings · ₹2,86,420 3.0%
Zepto Liquid Fund · ₹1,40,000 7.2%
Understand yourself
Keeva
Keeva AI · Your co-pilot
Ask the question your spreadsheet can't answer.
Can I afford a ₹40L car? Am I on track for retirement? Which holding is dragging my returns? Keeva reads your complete financial picture and responds in plain language — with the maths behind every answer.
Meet Keeva
Net worth, alive

A live, honest picture of what you really own.

Most apps stop at your savings account. Atlas keeps going — through every asset class, every property, every folio — and gives you one number you can trust.

Equity & MFs with XIRR

Live NSE/BSE prices, NAVs, dividend reinvested. Returns and XIRR per holding, per fund, per goal.

Real estate & rentals

Track property value, EMIs, tenants, rent inflows and yield — all alongside your liquid net worth.

Gold, FDs & the long tail

Sovereign gold, physical metal, fixed deposits across banks, EPF/PPF — everything that compounds quietly in the background.

Reconciles automatically

Imports stay in sync with your manual entries. Never count the same SIP twice, ever.

Keeva
Keeva
AI Co-pilot · by Atlas
Live

An advisor who
actually knows you.

Keeva sees your full picture — accounts, goals, debt, risk — and answers the questions you'd usually pay a CA to model. Built into Atlas. Not bolted on.

Can I afford a ₹40L car if I keep my savings rate?
Keeva
Yes — at your current 32% savings rate you'd reach the down payment in 14 months.
EMI
₹54,200
New rate
14%
Retire
+2 yrs
Why did my returns underperform NIFTY this quarter?
Keeva
Two laggards dragged you down. The rest of your book actually beat NIFTY by +1.4%.
HL
HDFC Life
−8.2%
TS
Tata Steel
−6.4%
Together: −2.1pp drag on XIRR.
Should I sell my Yes Bank position before year-end?
Keeva
Yes — booking the loss now saves you ₹14,200 in STCG tax. Repurchase after 30 days to maintain exposure.
Loss to book
−₹38,400
Tax saved
₹14,200
Rebuy after
30 days
Health Score Equity & MF Goal planning Cashflow Tax moves Risk & insurance
Keeva · Financial Health

A score that tells you
the truth.

Keeva analyses the last 3 months of your transactions and returns a single number — 0 to 100 — built from five dimensions of your actual financial behaviour. Not self-reported. Not estimated.

Savings rate
How much of your income survives each month. Target: 20%+.
Investment discipline
Whether you're consistently putting money to work and growing your wealth.
Spending patterns
Category-by-category spend vs household benchmarks for your family size.
Debt health
EMI obligations relative to income. Safe ceiling is 40%.
Spending trends
Month-over-month momentum and impulse-spend patterns caught early.
Refreshes weekly · Adjusted for family size
keeva · Health Score
74 /100
Status
Good
3 months analysed · family of 2
Refreshes 02-Jun-2026
Action needed
2
Watch out
1
Tips
2
Doing well
4
Emergency Fund · Action needed
You need 6 months of expenses (₹3,60,000) as a buffer. You're ₹1,24,000 short.
→ Push ₹20,000/month to close this in 6 months.
Insights · powered by Keeva

Eight things Keeva noticed
this week, before you did.

Atlas doesn't just show you charts. Keeva watches your full picture quietly in the background — spends, allocations, goal progress, fund fees — and surfaces only what's actually worth your attention.

Keeva · Big picture
You're 2 months ahead on retirement, and 14 days behind on your emergency fund.
If you redirect ₹8,000 from your tech-heavy SIP to a liquid fund, both goals close by August. We modeled it across your tax bracket and risk profile.
Heads-up
Shopping is 42% over budget.
₹14,200 of ₹10,000 this month — Blinkit and Myntra account for ₹9.4k of it.
budget ₹10k
Save
Switch to direct mutual funds.
3 of your active SIPs are regular plans, costing 1.1% extra in commissions.
+₹84k / year
Auto-switch with one tap →
Health Score
Your score moved to 74.
Up 6 points from last week. Savings rate improved to 28% — that's the main driver.
74
2 actions needed · 4 wins · refreshes weekly
Corpus
Emergency fund at 11 of 12 months.
One ₹26,000 contribution and you're done. Keeva can schedule it from your next salary.
Schedule it →
Forecast
Month-end position.
+₹1.32L
86% confidence based on your spending rhythm.
Concentration risk
Tech is 58% of your equity.
Adding 1 financials ETF brings sector risk to a healthy 38%.
Tech 58%Pharma · FMCG · Gold
Nudge
HDFC FD matures in 9 days.
₹2L principal. Renew at 7.4% (12mo) or move to a debt fund yielding ~7.8%?
Compare both →
Live feed

Quiet most of the time. Loud when it matters.

Last 7 days · 6 insights · 0 noisy notifications

Your XIRR crossed 18% for the first time

Driven by Reliance (+8.4%) and HDFC AMC (+6.1%) over the last fortnight. NIFTY up 2.2% in the same window.

Today

Your Blinkit spend is 3.2× last month

14 orders this month vs 4 in March. Most are ₹400–₹600 — looks like a lot of small-basket runs.

2 days ago

You've hit 11 of 12 emergency-fund months

One ₹26,000 contribution and you're done. Want Keeva to schedule it from your next salary?

3 days ago

Tax-loss harvesting opportunity

Booking your Yes Bank position would save you ~₹14,200 in capital gains tax. Repurchase after 30 days to keep exposure.

5 days ago

Your HDFC FD matures on May 11

₹2,00,000 principal. We'll remind you 48 hours before so renewal doesn't auto-roll into a low rate.

6 days ago
Portfolio intelligence

See risk before
it sees you.

Keeva doesn't just report what happened — it models what's coming. Concentration, volatility, goal timelines and downside scenarios, all computed against your actual holdings.

Portfolio Forecast
Where your wealth lands in 1, 5 and 10 years.
Monte Carlo projections built from your current allocation, SIP cadence, and historical volatility. See median, bull and bear outcomes — not just a straight line up.
Risk Analysis
Your risk, scored. Your concentration, flagged.
Sector concentration, single-stock exposure, geographic skew, debt-to-equity — scored and ranked. Keeva surfaces the risks that hide in plain sight.
Tech sector at 58%
Healthy ceiling is 30%. Add 1 financials ETF to rebalance.
Emergency fund 68%
₹1.24L short of 6-month target. Close by Jun 2026.
XIRR 18.4% — beating NIFTY
Portfolio outperforming index by 1.4pp over 3 years.
Imports & integrations

Your portfolio is already there. We'll find it.

India or US — one PDF, one OAuth click, or a single CSV, and your entire history flows in. Secure, private, and accessible only to you. More countries coming soon.

CAS · India MFs
Drop one PDF. Get every folio.
Atlas decodes your Consolidated Account Statement — every AMC, every scheme, regular vs direct — reconciled into one ledger instantly.
Brokers · India
Zerodha · Upstox · Coin · Groww.
One-click OAuth gives Atlas live equity & MF positions, with automatic dividend, corporate-action handling and live NSE/BSE prices.
Zerodha Kite Upstox Zerodha Coin Groww NSE / BSE prices
Banks · India
Statements that speak human.
Drop CSV or PDF statements — Atlas categorises every line, infers merchants and dedupes against your manual entries automatically.
HDFC ICICI SBI Axis Kotak Yes Bank
Brokers · US
Fidelity · Schwab · Robinhood · Vanguard.
Connect your US brokerage in one click. Atlas pulls live positions, cost basis, dividends, and capital gains history. Supports 401(k) rollovers and Roth conversions too.
Fidelity Charles Schwab Robinhood Vanguard E*TRADE TD Ameritrade Merrill Edge
Banks · US
Chase · BofA · Wells Fargo · Citi.
Connect US checking, savings and credit accounts. Atlas categorises transactions against US merchant databases and syncs balances daily via secure read-only access.
Chase Bank of America Wells Fargo Citibank Capital One Marcus by Goldman Ally Bank
Auto data sync
Set it once. It stays current.
Atlas syncs investment positions, bank balances and transactions automatically — no manual exports, no stale data. Deduplication ensures manual entries and auto-pulls never conflict.
GPayLive sync
PhonePeLive sync
FidelityLive sync
ZerodhaLive sync
PaytmLive sync
Credit cardsLive sync
Smart deduplication
Auto-categorisation
Read-only, no execution access
Live price feeds (NSE, BSE, NYSE, NASDAQ)
Real assets & retirement
Property, gold, FDs, 401(k) & Roth IRA.
Track property with rent rolls, sovereign gold by gram, FDs with maturity reminders. US: 401(k), Roth IRA and HSA with contribution limits and growth projections.
Property & rentals SGB & gold Bank FDs 401(k) / Roth IRA HSA EPF / NPS / PPF
Security & privacy

Secure, private,
and only yours.

Atlas is private by default. We don't sell your transactions, and your books are protected by encryption with a key only you hold.

Only accessible to you

Your ledger, balances and imports are protected end-to-end — nobody else can read them.

Encrypted at rest

SQLite vault sealed with the OS keystore. Face ID / fingerprint gates every open.

No ads, no tracking

No analytics SDKs that follow you around. We make money from subscriptions, not from selling your data.

Export anything

One-tap CSV / JSON / encrypted backup. Your data is yours to leave with.

Pricing

Simple, honest
pricing.

Free to start. Upgrade when you're ready for the full AI layer.

Auto-detected Showing prices for

Annual plans save 20%. Free trials require no credit card.

The team

Built by insiders.
Made for everyone.

We've sat inside the banks and the tech giants. We know exactly what's broken — and we're fixing it.

Our team has worked at
UBS Wells Fargo JPMorgan Chase McKinsey & Company FAANG+
End-to-end encrypted. Read-only access. No data sold, ever.
encalibr.com team ↗
SOC 2 · In progress
RBI Account Aggregator · Evaluating
iOS Privacy Nutrition Label
Android Data Safety

Questions,
answered.

Is Atlas free?

+
The core experience — accounts, transactions, budgets, and net worth — is free. Pro and Premium plans unlock the full Keeva AI suite, advanced portfolio intelligence, and unlimited imports. See full pricing ↓

Where does my data go?

+
Your data is protected by end-to-end encryption with a key only you hold. Backups are optional and gated behind your passphrase — secure, private, and accessible only to you.

Do I need to manually log every spend?

+
No. Drop a bank statement (PDF or CSV) and Atlas categorises every line, dedupes against your manual entries and learns your merchants over time.

What is the Keeva Health Score?

+
The Health Score is a 0–100 rating Keeva generates from your last 3 months of transactions. It looks at five things: savings rate, investment discipline, spending patterns (vs benchmarks for your family size), debt load, and month-over-month trends. Scores refresh weekly and come with severity-ranked insights — action needed, watch out, tips, and doing well — each with a specific fix. It's not professional advice; it's honest AI-generated observation based on your actual data.

Which countries does Atlas support?

+
Atlas is live for India and the US. Switch jurisdictions in Settings to toggle between INR and USD — you get country-specific accounts, spending benchmarks, savings rate analysis, and Keeva tax insights for each. We're actively expanding to more countries — if yours isn't listed yet, join early access and we'll notify you when it lands.

What about my joint accounts and family?

+
Mark accounts as joint, share read-only views with family, or run multiple ledgers from a single device. Pro households share Keeva insights across members.
The whole point

Money handled.
Life enjoyed.

Atlas takes care of the numbers — so you can get back to the things that actually matter. Travel more. Stress less. Build wealth without obsessing over it.

✈️ Travel freely 🏡 Build security 🎯 Hit your goals ☕ Spend guilt-free 🌱 Grow steadily
🏖️
That trip you keep deferring
Atlas shows you exactly when you can afford it — no guessing.
👨‍👩‍👧
Family without financial stress
One view of the whole picture. Shared clarity, fewer arguments.
🛍️
Buy without the guilt
When you know your numbers, spending becomes a choice — not anxiety.
🌅
Retire on your terms
A live forecast of your FIRE number, updated every time you transact.

Your whole financial
life, finally clear.

Atlas is in early access. Join the program and we'll send you the build, plus a note when each new feature lands.

Join early access ↗
iOS 16+ · Android 10+ · India & US · Basic free · Pro & Premium from pocket change
Atlas Atlas
Join early access