Atlas v1.0 · Now in beta on iOS & Android

Your whole
financial life,
in one place.

Atlas is the personal-finance OS for India. Track every spend, budget, and bank account — and watch your net worth grow across equity, mutual funds, real estate, gold and FDs. All in one calm, private app.

Join early access ↗ Watch the 90s tour
5Asset classes
0Pixels of clutter
1App for everything
Imports from CAMS / KFintech Zerodha HDFC · ICICI · SBI Coin · Groww NSE / BSE RBI FD rates
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.

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 for the period.
encalibr
All Accounts
Balance
₹4,82,160
HDFC Bank
Savings
Balance
₹2,86,420
Zerodha
Equity
Balance
₹14.82L
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
Budgets
Stay on track without nagging.
Per-category limits, a monthly progress ring, and gentle alerts only when you actually need them.
77% USED
Food₹6.8k / 12k
Shopping₹14.2k / 10k
Transport₹3.2k / 5k
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.
INCOME ₹2.1L Food · ₹14k Transport · ₹6k Shopping · ₹22k Savings · ₹40k Bills · ₹3.4k
Projection
Where you'll land at month-end.
A live forecast that learns your spending rhythm.
+₹1.32L May 1 Today May 31
On track
+₹1.32L
Confidence
86%
Net worth
Equity · MF · Real Estate · FD · Gold.
A single allocation bar that finally answers: "where actually is my money?" Drill into any class for holdings, returns and XIRR.
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
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 Meet Keeva · AI co-pilot

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.
Ask Keeva about
Equity & MF strategy
Concentration, fees, tax efficiency.
Goal planning
"Can I afford…" answered honestly.
Cashflow forecasts
Where you'll land at month-end.
Tax-aware moves
LTCG harvesting, 80C, regime switch.
Risk & insurance
Cover gaps, term-vs-endowment math.
Insights · powered by Keeva

Six 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 →
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
Imports & integrations

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

One PDF, one OAuth click, or a single CSV — and your entire history flows in. Secure, private, and accessible only to you.

CAS · CAMS / KFintech
Drop one PDF. Get every folio.
Atlas decodes your Consolidated Account Statement automatically — every AMC, every scheme, every unit, regular vs direct — reconciled into one ledger.
CAMS KFintech NSDL CAS Password-protected PDFs
Brokers
Zerodha · Coin · Groww.
One-click Zerodha link gives Atlas live equity & MF positions, with automatic dividend & corporate-action handling.
Zerodha Kite Zerodha Coin Groww NSE / BSE prices
Banks
Statements that speak human.
Drop CSV or PDF statements from HDFC, ICICI, SBI, Axis, Kotak — Atlas categorises every line and dedupes against your manual entries.
HDFC ICICI SBI Axis Kotak
Real assets
Property, gold, FDs.
Add real-estate holdings with rent rolls, sovereign gold by gram, FDs with maturity reminders. Atlas tracks the long tail other apps ignore.
Property valuation Rental tracking SGB & physical gold Bank FDs
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 premium, not from you.

Export anything

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

FAQ

Questions, answered.

Is Atlas free?

+
The core app — accounts, transactions, budgets, net worth — is free forever. Atlas Pro unlocks Keeva AI, Equity AI, MF AI and unlimited CAS imports for a subscription.

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.

Does it work outside India?

+
Atlas works globally for transactions, budgets and accounts. CAS imports, Zerodha and NSE/BSE prices are India-specific — currencies and locales for other markets are coming.

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.
Early access

Take a calmer look
at your money.

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

Join early access ↗
iOS 16+ · Android 10+ · Free during early access