Kniru

Kniru is an AI finance assistant that lets you track spending, monitor investments, manage loans, and receive personalized insights and suggestions—all from a single, secure dashboard.

Pricing Model: Free + Paid

Category: Finance & Investment Ai Tools

https://www.kniru.com/

Release Date: 19/10/2023

• Net worth tracking by aggregating accounts and assets
• Subscription management to monitor recurring charges
• Intelligent spend analysis to detect patterns and anomalies
• Portfolio and investment tracking with insights
• Debt and loan tracker with alerts and repayment guidance
• Natural language query interface (ask financial questions conversationally)
• Transaction categorization and merchant insights
• Automated reports (weekly, monthly summaries)
• Data import/export (CSV) and account integrations
• Tiered AI message & feature limits depending on subscription

Kniru is a next-generation personal finance application powered by AI, built to simplify financial management for individuals by combining transaction tracking, investment monitoring, loan management, and insights into one unified platform. Designed for both casual users and more advanced savers/investors, Kniru removes the hassle of toggling between multiple financial apps and spreadsheets.

Once users connect their bank accounts, credit cards, investment accounts, and loan profiles, Kniru syncs and categorizes all transactions automatically. The platform calculates your net worth and keeps it up to date, showing how different financial decisions impact your overall standing. Its subscription manager feature flags recurring payments, helping you catch unwanted charges or services you no longer need. The spend analysis module drills down into categories and merchants, revealing where your money is going and suggesting cost savings.

For those with investments, Kniru tracks positions, dividends, and performance over time, delivering insights into portfolio allocation, growth trends, and risk exposure. On the borrowing side, the debt tracker monitors balances and due dates, offering suggestions to optimize repayment and reduce interest costs. A standout feature is its conversational AI: you can ask questions like “What was my biggest expense last month?” or “How much should I pay toward debt?” and get intuitive responses drawn from your data.

Kniru offers both free and paid tiers. The free version includes core capabilities—transaction aggregation, spend/ subscription tracking, basic AI message access, investment and debt tracking, and regular reports. The premium tiers expand on AI message limits, unlock advanced analysis features, allow CSV import/export, offer priority support, and more. The environment is built for scalability as users grow more sophisticated in their financial habits.

Security is a focal point: Kniru uses encryption, secure account connections, and privacy safeguards to protect user data. The founding team comprises AI researchers with backgrounds in finance, and the platform emphasizes that user data is never sold or misused. As a unified AI financial copilot, Kniru aims to democratize financial intelligence—making managing money clearer, smarter, and more automated for everyone.

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