atlas v1.0 · Now in beta · US, India & more

Your whole
financial life,
in one place.

Connect to 3,000+ financial institutions globally — from Fidelity to Zerodha, 401(k) to NPS, Chase to Groww. One app. Every currency, every market, one clear picture.

3,000+Financial partners
10+Asset classes
US & Globalexpanding fast
Bank-gradeEncryption
Connects to
Vanguard Robinhood Betterment Coinbase Ally Bank Wealthfront Acorns Wells Fargo
Fidelity Schwab 1,000+ banks Plaid E*TRADE IBKR Chase
Why atlas exists

Stop worrying
about money.
Start living.

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

What atlas tracks

Every asset class.
Every account type.
One place.

From T-Bills to AirBnB rentals, RSUs to recurring deposits — if it affects your net worth, atlas tracks it.

Investments
Equity / Stocks US Stocks ETFs RSUs Mutual Funds Crypto Govt Bonds (G-Sec) T-Bills Corporate Bonds Unlisted / Pre-IPO
Banking & Cash
Savings Accounts Checking Accounts Fixed Deposits Recurring Deposits PPF Cash Money Market Wallet Balances
Retirement
EPF NPS 401(k) Roth IRA Traditional IRA SEP IRA Pension
Real Estate & Physical
Property Rental Income AirBnB / Short-stay Physical Gold Silver Commodities
Liabilities & Loans
Home Loan / Mortgage Car Loan Personal Loan Student Loan Credit Card Debt Business Loans
Spending & Transactions
Shopping Recurring Payments Subscriptions UPI / Bank Transfers Credit Card Spends EMIs SIPs Salary & Income

10+ asset classes. 3,000+ financial partners. One app.

If it affects your financial life, atlas knows about it.

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 Apple Pay, Venmo, Zelle and your credit cardsatlas pulls every transaction in, categorised and deduped against your manual entries.
AMOUNT
$ 18
OR AUTO-SYNC FROM
Apple PaySupports sync
VenmoSupports sync
ZelleSupports sync
Credit cardsSupports sync
Analytics
Sankey, sparklines & honest comparisons.
See exactly where every dollar 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: $4,300 · 6 months
68%
Europe Trip
Target: $2,000 · Dec 2025
42%
New MacBook
Target: $2,400 · 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
$4,820
May 1Day 26May 31
Net
+$1,580
Savings rate
28.4%
5 recurring charges detected $148
Grow your wealth
Net worth
Stocks · ETFs · Real Estate · Bonds · Gold.
One number that covers every asset class you own. Drill into any category for holdings, returns and XIRR. Full breakdown ↓
Stocks & ETFs · 38%$52,400
Mutual Funds · 24%$33,100
Real Estate · 16%$74,400
Bonds & CDs · 16%$22,000
Gold & Commodities · 6%$7,600
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 ($18,000) needed. You're $4,200 short.
Auto-save $700/month → covered in 6 months
Healthcare Buffer Building
Target $20K for your income bracket. US avg. hospital stay: $15–30K without insurance coverage.
Debt & Loans
Know every EMI. See your debt-free date.
Home loans, car loans, personal loans — atlas tracks outstanding principal, interest paid to date, and projects exactly when you'll be debt-free. Keeva tells you which loan to prepay first to save the most.
Mortgage · Chase
On track
$148,400 paid$206,600 remaining
$2,180/mo · 112 months left · Debt-free Jun 2034
Auto Loan · Wells Fargo
$420/mo
71% paid · 9 months left · Closes Mar 2026
Retirement Planning
401(k) · Roth IRA · NPS · EPF. All in one view.
Track your retirement corpus across every instrument — US and India — with live valuations, contribution limits, and a projected corpus at your retirement age. Keeva tells you if you're on track.
401k
401(k) · Fidelity
$23,000 max · 89% utilised
$41,200
+9.2% YTD
IRA
Roth IRA · Vanguard
$7,000 max · 100% utilised
$18,600
12.4% CAGR
EPF
EPF · India
8.25% p.a. · employer matched
$10,100
+$290 this month
On track for $504K corpus at age 65
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.
5.2%
effective annual rate
Excellent
You're earning above the typical savings account rate — likely a small finance bank, liquid fund, or arbitrage fund.
Rate Benchmark
Typical bank savings (Chase/BoA) 0.5%
12-Month CD (national avg) 5.0%
Your blended rate 5.2%
Account breakdown
Chase Savings
$8,420
0.5%
Marcus by Goldman
$12,000
5.1%
Vanguard Money Market
$5,200
5.3%
Understand yourself
Keeva
Keeva AI · Your co-pilot
Ask the question your spreadsheet can't answer.
Can I afford a $50K 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 NYSE/NASDAQ prices, NAVs, dividends 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.

One view. Every market.

Your wealth doesn't stop at borders. Neither does atlas.

Track investments, accounts, and transactions across the US and India — in their native currency, converted to your home currency in real time. One number. One truth.

🇺🇸
United States
NYSE · NASDAQ · Plaid · Schwab
Portfolio value
$132,980
▲ +16.2% YTD
Stocks & ETFs $52,400
401(k) + Roth IRA $41,200 + $18,600
Savings & Checking $20,780 via Plaid
Live FX
$ · ₹ · £
Auto-converted
Real-time rates
🇮🇳
India
NSE · BSE · AMFI · CAMS
Portfolio value
$88,500
▲ +18.4% XIRR
Equity & MFs $29,100
EPF · NPS · PPF $19,440
Property & Gold $39,960
$221,480
Combined net worth · in USD
Live sync
Prices, NAVs, and FX auto-updated
Multi-currency
$ · ₹ · £ · € · SGD · and more
More coming
GBP, EUR, SGD & more currencies
Keeva
Keeva
AI Co-pilot · by atlas
Live

An advisor who
actually knows you.

Keeva knows your income, spending habits, loan burden, investment portfolio, and retirement horizon — not from a form you filled out, but from your actual financial data. Ask anything. Get the kind of answer a personal CFO would give you.

Can I afford a $50K car if I keep my savings rate?
Keeva
Yes — at your current 32% savings rate you'd reach the down payment in 14 months.
Monthly
$650
New rate
14%
Retire
+2 yrs
My 401(k) grew 14% but my EPF is at 8.25% — should I max 401(k) first?
Keeva
Yes — max your 401(k) first. After your 22% US tax bracket, the effective after-tax benefit outpaces EPF by ~4.8pp annually.
🇺🇸 401(k)
14.0%
🇮🇳 EPF
8.25%
Tax saved
$4,200
I spent $1,200 last month — what category is eating the most?
Keeva
Food & dining at $480 — 40% of your total. That's $120 above your average. Subscriptions are the silent second at $148.
Food
$480
Subs
$148
vs avg
+$120
Am I on track for retirement? I want to retire at 58.
Keeva
At your current pace, you'll have $504K by 58 — 2 years ahead of your FIRE target.
401(k) + IRA
$216K
Stocks + ETFs
$168K
India (EPF+NPS)
$120K
✓ Increase your auto-invest by $200/month to retire at 56 instead.
Health Score Equity & MF Retirement Debt & loans 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 ($4,320) as a buffer. You're $1,488 short.
→ Set aside $248/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 $200/month from your tech-heavy allocation to a money market fund, both goals close by August. We modeled it across your tax bracket and risk profile.
Heads-up
Dining & delivery is 42% over budget.
$420 of $300 this month — DoorDash and Uber Eats account for $280 of it.
budget $120
Save
Switch to low-cost index funds.
3 of your active funds have expense ratios above 1% — low-cost equivalents average 0.05%.
+$1,240 / year
See alternatives →
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 $312 contribution and you're done. Keeva can schedule it from your next paycheck.
Schedule it →
Forecast
Month-end position.
+$1,580
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%Healthcare · Consumer · Gold
Nudge
Your 6-month T-Bill matures in 9 days.
$10,000 principal. Roll into a 12-month T-Bill at 5.1% or a money market fund at 5.3%?
Compare both →
Live feed

Quiet most of the time. Loud when it matters.

Last 7 days · 6 insights · 0 noisy notifications

Your portfolio return crossed 18% for the first time

Driven by NVIDIA (+8.4%) and Apple (+6.1%) over the last fortnight. S&P 500 up 2.2% in the same window.

Today

Your DoorDash spend is 3.2× last month

14 orders this month vs 4 in March. Most are $22–$35 — looks like a lot of weeknight meals.

2 days ago

You've hit 11 of 12 emergency-fund months

One $700 contribution and you're done. Want Keeva to schedule it from your next paycheck?

3 days ago

Tax-loss harvesting opportunity

Booking your Intel position would save you ~$1,840 in capital gains tax. Repurchase after 30 days to keep exposure.

5 days ago

Your T-Bill matures on May 11

$10,000 principal. We'll remind you 48 hours before so it doesn't auto-roll into a low-rate option.

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, recurring investment 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.

3,000+ financial partners globally — one PDF, one OAuth click, or a single CSV, and your entire history flows in. Currently live for India and the US, with more countries actively being added. Secure, private, accessible only to you.

3,000+
Financial partners globally
1,000+
US banks via Plaid
India + US
Live now · more coming
10+
Asset classes tracked
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 & Credit · US · 1,000+ via Plaid
Chase · BofA · Wells Fargo · and 1,000 more.
Connect US checking, savings, and credit accounts via Plaid — 1,000+ institutions, secure read-only access. atlas categorises transactions, syncs balances daily, and tracks credit utilisation automatically.
Chase Bank of America Wells Fargo Citibank Capital One Ally Bank + 1,000 more via Plaid
Auto sync · Global · Seamless
Set it once. Transactions and investments sync automatically — across every partner, every country.
atlas connects to 3,000+ financial institutions and pulls your investments, balances, and transactions automatically — in real time. No manual exports, no CSV uploads, no stale numbers. OAuth + Plaid + Shadow Engine means the connection is secure, read-only, and revocable any time.
GPay🇮🇳 Live
Fidelity🇺🇸 Live
Zerodha🇮🇳 Live
Chase🇺🇸 Live
PhonePe🇮🇳 Live
Schwab🇺🇸 Live
Automatic smart deduplication
Read-only · no execution access
Live prices: NSE, BSE, NYSE, NASDAQ
Live FX rates · $ ↔ ₹ · £ · € conversion
Revoke access any time — your data, your rules
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.

Encrypted end-to-end
Only you hold the key — not even we can see it.

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.

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
Pricing

Early access.
Everything free.

Join now and get full access to every feature — AI insights, goal tracking, portfolio intelligence, and more. Free until your trial ends. No credit card, no limits. Early users lock in a founder rate when pricing launches.

Free trials require no credit card.

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 currently live for India and the US, with 3,000+ financial partners globally accessible via Plaid, direct OAuth, and our Shadow Engine. Switch jurisdictions in Settings to toggle between currencies — 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.

Why we built this

We built atlas for the moments money shouldn't steal.

A birthday missed because you were checking markets. A vacation deferred because you weren't sure if you could afford it. A quiet Sunday hijacked by spreadsheets and anxiety you can't quite name.

Money decisions shouldn't require a finance degree, three apps, and two hours of your weekend. They should be clear, instant, and already handled — so you can be fully present for the life you're actually building.

Atlas exists to be the financial co-pilot that knows you completely — your accounts, your goals, your family — and handles the complexity, so you don't have to.

"Financial clarity isn't a luxury. It's what lets you stop worrying and start living."

— The Atlas team

2.8 hrs/week

reclaimed from finance admin

That's 6 full days back each year — spent with people who matter.

💆

Peace of mind

Know exactly where you stand — no guessing, no anxiety, no three-app shuffle.

🌱

Build your future

Retirement goals, debt-free dates, investment milestones — atlas keeps you on track automatically.

❤️

Live fully

Less time in spreadsheets. More time with the people and experiences that actually make life rich.

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.

Join the financial revolution — simple, smart, powerful

Start tracking your whole financial life with atlas today

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Google Play
Android 10+ · Free to download

iOS 16+ · Android 10+ · US, India & more · Basic free

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