Kniru

Kniru is a personal finance platform that aggregates banking, investment, loan, and credit card accounts into one dashboard. Its features include net worth tracking, subscription management, spend analysis by category or merchant, natural language search, an AI financial copilot, investment and portfolio tracking for stocks, ETFs, and crypto, trade history, a debt tracker with due-date alerts, portfolio diversification analysis, and automated daily, weekly, and monthly reports. The page states that core features are free forever, that premium AI features are offered for power users, and that it connects to over 11,000 financial institutions worldwide. It also describes bank-level encryption, multi-factor authentication, and a no-sell data policy.

Key features

• Net worth tracker
• Subscription manager for recurring charges
• Actionable spend analysis by category or merchant
• Merchant insights
• Natural language search of transactions
• All finances in one dashboard with automatic syncing
• AI-powered financial copilot
• Investment and portfolio tracker for stocks, ETFs, and crypto
• Investment trade history
• Debt tracker with due-date alerts and interest reduction suggestions
• Portfolio X-Ray for sector, industry, and asset class diversification
• Daily, weekly, and monthly automated reports

Best suited for

• Individuals who want to track spending and subscriptions
• Users managing investments across stocks, ETFs, and crypto
• People trying to organize and pay down debts and loans
• Users who want AI-driven personal finance insights

Pricing

Free core features are stated as free forever; a premium AI tier for advanced capabilities is mentioned, and a 70% off first month promo code (WELCOME) for Kniru Alpha is advertised. Specific premium prices are not stated on the page.