AI-powered personal finance with net worth tracking, estate planning,
emergency access, and privacy-first architecture — all in one place.
KOṠA is a product of VN Tech — building privacy-first financial tools for individuals and families.
Built for people who take their financial life seriously — from daily spending to generational wealth planning.
Ask questions about your money in plain English. Claude analyzes your actual transaction history — not generic advice, real insights about your finances.
ExclusiveSee your complete financial picture at a glance. Accounts, real estate, investments, loans, and debt — all tracked and charted over time with 5-year comparisons.
Grant trusted family members or advisors time-limited, permission-controlled access. Automatically triggers after 60 days of inactivity.
ExclusiveYour data is end-to-end encrypted. Never sold, never used for advertising. You own it completely and can export or delete it at any time.
Track USD, INR, and 30+ currencies. Full support for HDFC and ICICI imports, Indian number formats, fiscal year, FD, PPF, and NPS tracking.
Keep personal and business finances cleanly separated. Tag transactions to LLCs or rental properties and generate reports for tax time.
Emergency access for family and advisors is built into the architecture — not bolted on. Auto-triggers on inactivity with full permission control.
Claude reads your transaction history and gives relevant, personalized insights — not generic financial tips. Ask it anything about your money.
FD, PPF, NPS, and HDFC/ICICI imports alongside US 401k, real estate, and bank accounts. One app for your entire financial life across borders.
Finally an app that understands both my US accounts and my Indian investments in one place. The FD and PPF tracking alone is worth it.
The AI chat is incredible — I asked it why my spending spiked in November and it actually found the pattern in my transactions. No other app does this.
The emergency access feature gave me real peace of mind. My family knows exactly what to do and where everything is if something happens to me.
No bank credentials required — import your statements and KOṠA handles the rest.
Upload OFX, CSV, or PDF statements from any US or Indian bank. KOṠA parses every transaction automatically — no bank login credentials required, ever.
Transactions are automatically categorized using a smart code system. Review flagged items, split receipts, tag business expenses, and spot anomalies.
Set budgets, track net worth goals, and ask your AI advisor anything. Know exactly where you stand today — and model where you'll be five years from now.
A walkthrough of the dashboard, AI chat, budgets, and estate access — all in 3 minutes.
Dashboard · AI Chat · Net Worth · Estate Access
Simple, transparent pricing. No hidden fees. Cancel anytime.
Everything you need to take control of your personal finances.
For households managing finances together — estate access built in.
For business owners managing personal and business finances together.
Grant your CA or CPA time-limited, read-only access. Available on all plans. Auto-expires after their engagement ends.
Yes. Your data is encrypted at rest and in transit. We never sell your data, never use it for advertising, and never share it with third parties. You can export or permanently delete your data at any time. KOṠA is built privacy-first — it's a core architectural principle, not an afterthought.
No — never. KOṠA works by importing your bank statements (OFX, CSV, or PDF). You download them from your bank and upload them to KOṠA. No bank credentials, no screen scraping, no third-party connections to your accounts. Bank connectivity via Plaid is planned for a future phase, but will always be optional.
Any bank that exports OFX or CSV statements is supported — including Bank of America, Chase, Citibank, Wells Fargo, and most US credit unions. For Indian banks, HDFC and ICICI CSV/PDF formats are natively supported. Real estate, crypto, retirement accounts (401k, IRA), FD, PPF, and NPS can be added manually.
You designate trusted contacts (family members, advisors) and set their permission level — read-only, or specific sections only. If your account is inactive for 60 days, they automatically receive access. You can also trigger it manually at any time. Access can be revoked instantly, and all access events are logged.
Yes — the Accountant Access add-on ($2/mo) lets you grant your CA or CPA a time-limited, read-only view of your finances. Access automatically expires at the end of the engagement period you set. Available on all plans.
KOṠA is designed for users with financial life in both the US and India. Full support for Indian bank statement formats, INR, Indian fiscal year (April–March), FD/PPF/NPS, and ITR reporting is built in. Users in other countries can use KOṠA with manual entry or CSV imports from their banks.
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