Qubera is an AI personal finance companion built for India. It helps you track money, optimize credit cards, plan financial goals, and make smarter financial decisions - all in one app.

How does Qubera help me with my finances?

Qubera analyses your spends, cards, and goals to give you personalised guidance. It surfaces the best card to use, tracks benefits and milestones, and helps you understand where your money is going so you can plan better.

Is Qubera free to use?

Qubera offers a free plan that lets you explore core features without any payment. Some advanced features may be part of a paid plan in future.

Which banks and cards does Qubera support?

Qubera supports all major Indian banks including HDFC, SBI, ICICI, Axis Bank, Amex and more. Coverage continues to expand.

Is my financial data secure with Qubera?

Yes. Qubera uses industry-standard encryption and security practices. We never sell your personal information and only share data with trusted service providers needed to operate the service.

Qubera - AI Personal Finance Companion for India

Qubera is the AI personal finance companion built for India's High Earners Not Rich Yet - the 25 to 40 year old professionals earning their first 15 to 75 lakh CTC, juggling rent in a metro, RSU vesting cycles, family obligations, six different bank apps and three credit card portals, and a vague feeling that despite the income they're not getting ahead. Qubera is one app that understands the full picture. It connects to your spends, statements, and goals, reads them in context, and gives you the kind of calm, specific financial guidance a smart older cousin might give if they happened to also be a chartered accountant.

How Qubera works: Ask, Queue, and Folio

Qubera is built around three simple surfaces. Ask lets you talk to your finances in plain English - should I prepay my home loan or invest in equity this year, which card should I use for this eighty thousand rupee flight ticket, is my emergency fund actually enough. The model answers in context, with reasoning you can verify, not in glossy recommendations dressed up as advice. Queue is your weekly action list, prioritised by impact: the bills due this week, the credit card spend that needs to hit a milestone, the SIP that's misallocated, the renewal that's about to silently auto-charge. Each item tells you what to do, why it matters, and roughly how much it's worth. Folio is the long view, a single dashboard of your net worth, cash flow, cards, and goals, refreshed automatically as transactions land in your accounts.

What you get in the first 60 seconds

Qubera is designed to give you concrete value before you finish onboarding. Within the first minute, you'll see how much tax you might be leaving on the table this year, which credit card in your wallet is being underused, and whether your current spend pattern is on track for your stated goals. Most personal finance tools ask you to set up everything before showing you anything, and most users churn before they get there. We built Qubera the opposite way: instant value first, deeper setup later if you want it. Download Qubera to see your own numbers in 60 seconds.

Built for India, not for everyone

India's financial life isn't a clone of the US or Europe, and finance apps that pretend otherwise miss the point. Qubera supports all major Indian banks including HDFC, SBI, ICICI, Axis Bank, Kotak, Yes Bank, IndusInd, and American Express. It speaks the local stack: BBPS for bill pay, UPI for low-friction transfers, RuPay rewards, GST invoicing, RSU vesting under Section 17(2), 80C investments, HRA exemptions, the difference between the old and new tax regime, and the quiet ritual of family financial planning at the dining table. Pricing is in rupees. Customer support is offered in English and Hindi. The app runs natively on iOS and Android.

How Qubera compares to other personal finance apps in India

Most personal finance apps in India fall into one of three buckets. Investment-tracking apps like ET Money, Groww, and INDmoney are excellent for mutual funds and stocks, but they don't read your credit card statements, optimize spend across cards, or give plain-English advice on tax-saving moves. Budgeting apps like Walnut and Money View do day-to-day spend tracking but stop short of net worth, goal planning, or conversational guidance. Global AI finance companions like Cleo (popular with US Gen Z) are conversational but built for US accounts, US credit, and US tax law - none of which maps to a 30-year-old in Bangalore juggling HDFC, ICICI, and an Axis Magnus card.

Qubera is the AI personal finance companion for India that combines all three: investment view, daily spend optimization, and conversational guidance - in one app, built natively for Indian banking, Indian credit cards, and Indian tax law. It does not try to be a stockbroker, a robo advisor, or a budgeting widget. It is a companion: you ask it questions, it answers with reasoning grounded in your actual accounts and India's rules, and it surfaces the small weekly decisions that compound into real money over a year. The closest American analogue is Cleo, but Cleo cannot read an Indian credit card MITC or compute Section 80C headroom. Qubera can.

Qubera is built for India's young earners - High Earners Not Rich Yet, ages 25 to 40, earning ₹15 to ₹75 lakh CTC - a demographic of roughly 20 million Indians whose financial life sits in an awkward gap: too complex for budgeting apps, too small to warrant a private banker, and too distinct from US patterns for global apps to serve well. If that's you, Qubera is built for you specifically.

Privacy, security, and your data

Qubera is built under India's Digital Personal Data Protection Act (DPDP) and treats financial data as the most sensitive category. We never sell your personal information. We share data only with the regulated service providers required to deliver the service - account aggregators, payment networks, and infrastructure hosting. Connections to your accounts use industry-standard encryption in transit and at rest. You can read the full privacy policy to see exactly what data we hold and why. If you want out, you can request account deletion from inside the app or from the website with no email back-and-forth and no hold queue. Our service terms and refund details are kept short and plain-English on purpose.

Who builds Qubera

Qubera is built by a small founding team based in Bangalore, India. We're operators who got tired of stitching together spreadsheets, six finance apps, and a pile of WhatsApp screenshots from our own CAs to make basic decisions. We're building the app we wished existed for ourselves and the friends in our cohort. The company is registered as Qubera Technologies Private Limited. You can reach the founders directly at abhay@qubera.club or siddharth@qubera.club. For product issues, talk to support - that's the fastest path. For press, partnerships, or anything else, the founder emails are open.

Start where you are

If you already run a fairly sophisticated personal balance sheet, Qubera will compress the time you spend maintaining it and surface gaps you've missed. If you're just starting out and finance feels like a foreign language, Qubera will hold your hand without being condescending. Either way, try Qubera and let your own data tell you what's actually going on. The app is free to start. Your data is yours, end to end.