KashRA is the first finance app with true zero-knowledge architecture for individual users — your financial data is AES-256-GCM encrypted on your device and stored only in your own Google Drive. Not on our servers. Not in our databases. We cannot read it, and neither can anyone who breaches our infrastructure, because it simply isn't there.
Every mainstream finance app monetises your data, stores it on their servers, and hands you a dashboard — not answers. KashRA was built to flip this entirely.
Built on 13 independent pillars, your FHS is not a vanity metric. Each pillar has a benchmark, a score, and a specific action that will improve it. Like a credit score — but for your actual financial life.
From daily transaction capture to FIRE simulation — every feature was built on one principle: your individual financial data is zero-knowledge encrypted on your device and lives only in your own Google Drive. KashRA cannot read it, and neither can anyone who breaches our infrastructure.
Create category budgets with smart limits. Link financial goals directly to investment accounts — and KashRA monitors every month whether your total SIP commitments exceed your surplus. If they do, it flags the conflict before it costs you.
The most complete transaction module in any finance app. Six ways to capture, view, and understand your money — from real-time SMS capture to a calendar that shows every spend day at a glance.
Track every asset class — equities, mutual funds, fixed deposits, gold, real estate, EPF, US 401k, crypto — in one unified net worth view with historical snapshots.
The Lab isn't a calculator. It's five deeply integrated modules that take your actual portfolio data — not sample numbers — and answer the questions your financial advisor charges you to ask. Offline. Private. Instantaneous.
Export a professional-grade PDF with your full financial picture — all 13 FHS pillars, net worth breakdown, goal funding status, and AI commentary. Advisor-ready in one tap.
KashRA's Discovery Map gamifies feature exploration. As you use each module, it unlocks on the map. Complete a theme to earn a badge. Financial education through doing — not reading.
Stop exporting CSVs from four different portals. KashRA reads your CAMS statement, Zerodha portfolio, EPF passbook, US brokerage exports, and Indian bank SMS — and maps everything automatically.
KashRA's AI advisor knows your actual numbers — not a demo dataset. Ask it why your FHS score dropped, what to fix first, or how changing your SIP amount affects your FIRE date. It answers in plain language.
Inspired by how the best apps make complex data feel personal, KashRA Pulse generates story-format financial moments — savings records, goal achievements, spending wins — that you actually want to share.
KashRA operates a two-tier security model. Individual financial data is zero-knowledge — we are architecturally incapable of reading it. Family shared transactions are AES-256-GCM encrypted — we store them but cannot decrypt them. Here is exactly what lives where.
mf_family_txns in our Firestore so all members see real-time updates. The data is AES-256-GCM encrypted before transmission, keyed from the family's shared passphrase (which all members hold, not us). We cannot decrypt it — but it does reside on our infrastructure. All other financial data (individual) never touches our servers.mf_quotas/{uid}: plan and usage counters, no financial data · pulse_ads: ad content, nothing user-specific · pulse_ad_events: anonymous click events (UID + adId only) · mf_family_txns: encrypted family transactions (we cannot decrypt). That is the complete list.mf_family_txns on our Firestore. We are honest that it resides on our infrastructure — but we are technically incapable of reading it.Whether you earn in ₹ or $, hold MFs or ETFs, use Zerodha or Fidelity — KashRA treats your full financial life as one unified picture. No switching apps. No spreadsheets bridging the gap.
Manage your family's combined view while keeping personal accounts completely private — not just permission-gated, but cryptographically invisible to other family members. Up to 6 members, no shared passwords.
When you add a transaction in KashRA, it doesn't just log a number. It triggers a cascade of eight independent updates — instantly, on your device, with no perceptible delay. Here's what happens in the milliseconds after you tap Confirm.
mf_family_txns Firestore (so all members get real-time updates). We store it but cannot decrypt it.renderBudget() recalculates every category limit vs actual spend. Over-budget categories turn red. Goal conflict check fires instantly.renderHome() updates net cashflow, savings rate, income vs expense bars, and MoneyFlow visualisation — all in one pass.buildAIContext() rebuilds the structured AI context snapshot — PII stripped at the Cloudflare Worker layer before the Anthropic API ever sees it.We looked at every major finance app in India and the US. None of them score your financial health across 13 pillars. None of them work for both markets. And none of them store zero data on their servers. KashRA does all three.
| Feature | KashRA | INDmoney | Walnut / axio | Fi Money | YNAB / Copilot |
|---|---|---|---|---|---|
| 13-Pillar Financial Health Score | ✓ | ✗ | ✗ | ✗ | ✗ |
| Zero data stored on our servers | ✓ | ✗ Scans Gmail |
✗ Server-side NBFC |
✗ Requires Fi account |
✗ Cloud-dependent |
| India + USA in same app (NRI-native) | ✓ | △ India-only primarily |
✗ | ✗ | ✗ US-only |
| AI advisor on your real portfolio data | ✓ 5 free → 30 → 100/mo |
△ Generic robo-advice |
✗ | △ Basic insights only |
✗ |
| FIRE + What-If simulator (your numbers) | ✓ | ✗ | ✗ | ✗ | △ Basic budgeting only |
| Family finance with cryptographic privacy | ✓ | ✗ | ✗ | ✗ | ✗ |
| SMS auto-capture (no bank credentials) | ✓ | ✗ | ✓ Server-processed |
✗ | ✗ |
| Multilingual (Hindi, Telugu, Tamil) | ✓ | ✗ | ✗ | ✗ | ✗ |
| Portfolio Clarity Score (PCS) engine | ✓ | ✗ | ✗ | ✗ | ✗ |
KashRA's free tier is genuinely full-featured — every core module is available from day one. The only things gated are AI query volume, Vision scan volume, and Pulse ads. Pricing is set and managed via the Google Play Store.
KashRA is free to download. No credit card. Your financial health score is waiting — and it's been tracking the wrong things about you until now.
KashRA is a native Android app. Data lives on your device. Cloud sync is optional. The AI advisor uses Anthropic's Claude with PII stripped at the Cloudflare Worker layer before every query. Financial Health Score is for awareness only — not financial advice. Please consult a SEBI-registered advisor (RIA) or CFP before making financial decisions.