WORTH — AI-Powered Financial Operating System for India

Know Your Money. Make Smarter Decisions.

Managing your finances shouldn't mean switching between bank apps, brokerages, EPFO, spreadsheets, and investment platforms just to understand where you stand.

WORTH is building a financial operating system that brings your entire financial life into one place and helps you make better financial decisions—not just track your money.

Instead of focusing only on budgeting or investments, WORTH combines your complete financial picture, including:

• 🏦 Bank Accounts (via RBI Account Aggregator)

• 📈 Stocks, Mutual Funds & ETFs

• 💰 PPF, EPF, FD & RD

• 🏠 Real Estate

• 🪙 Gold & Crypto

• 🚗 Vehicles

• 💳 Credit Cards & Loans

• 💼 ESOPs & Other Assets

From this, WORTH generates a real-time Net Worth Dashboard, Financial Health Score, and Daily Safe-to-Spend amount—helping users understand not only where they are financially, but what they should do next.

Key Features

• Complete Net Worth Tracking
• Financial Health Score
• Daily Safe-to-Spend Calculator
• Spending Analysis & Behavioural Insights
• AI Finance Copilot for personalised financial guidance
• Goal-Based Financial Planning
• Mutual Fund Recommendations aligned to financial goals
• Portfolio Analysis & Asset Allocation
• Smart Financial Nudges
• Scenario Simulations ("Can I afford this?")

Built for Trust

WORTH is developed by Worthos Technologies Pvt. Ltd., a SEBI Registered Investment Adviser (Registration No. INA000022695).

Unlike many consumer fintech products that rely on commissions or affiliate income, WORTH follows a subscription-first model, allowing recommendations to remain aligned with users' financial goals.

Tech Stack

• React Native

• Node.js

• PostgreSQL

• RBI Account Aggregator

• Claude AI

• AWS

• Firebase

Current Status

🚧 Currently in private beta.

We're working with our first set of early users to refine the product before public launch.

If you're passionate about fintech, personal finance, AI, or building products that genuinely improve people's financial lives, we'd love to connect.