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ICICI Bank
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SEBI Registered · Fee-only · Free in early access · Live on Google Play
Finwiser is an app that connects to your bank accounts and shows what’s actually left each month, which goals it can reach, and where the next rupee should go. Never a commission, never a product pitch.
Get the app →
On Google Play · iOS coming soon
“Am I actually on track?”
Nobody sees the full picture — not your bank, not your apps, not even you. Your money lives in thirty-plus accounts that don’t talk to each other.
What Finwiser does.
Six things the app does for you.
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See every account in one place.
Thirty-plus account types across seven buckets — banking, investments, pensions, insurance, loans & cards, business, physical assets — sorted by a six-tier classification. One picture.
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Auto-categorise every transaction.
UPI, salary, rent, EMIs, OTT, that one Swiggy habit. Sorted automatically.
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Tell you your real monthly surplus.
Not what your bank shows. What’s actually left after the obligations you forgot. Updated daily.
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Watch the ratios that matter.
13 financial ratios — savings rate, debt-to-income, retirement readiness, emergency-fund cover and nine more — in plain language, not a finance textbook.
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Rank goals. Allocate every rupee.
Emergency first, retirement next, lifestyle last. Surplus goes where it matters most — automatically.
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Recalibrate as life changes.
Bonus, layoff, market drop, new EMI — the plan updates without you opening the app.
Watch your money come together.
Every account connected. Every rupee tracked. Every goal planned.
Banking
4 types
Investments
12 types
Pensions
3 types
Insurance
3 types
Loans & Cards
6 types
Business
5 types
Physical assets
3 types
Net worth
₹28.4L
Real surplus
₹37,420/ mo
Goals on track
3of 5
Risk score
Medium
01
Connect once. Never think about it again.
Every account, in a few taps. You approve each connection on your bank’s own RBI-regulated rail — the Account Aggregator. Finwy, the adviser inside Finwiser, never sees your bank password. Disconnect any time, one tap.
Connect once — and forget it’s even there.
02
See what’s actually left.
Every transaction, sorted automatically. Then the one number you’re tired of guessing.
Most months, it’s bigger than you think.
03
Tell Finwy your goals. Watch it decide.
That surplus you just saw? Here’s where it goes first. You list what matters — emergency, retirement, the flat in 2031. Finwy ranks them, allocates every rupee, and says up front which ones fit.
We never see your password. We never sell your data.
Your data is yours. Here’s the plumbing — in plain language.
Bank-grade encryption.
All data — at rest and in transit — encrypted with AES-256 and TLS 1.3. The same standards your bank uses for online banking.
Account Aggregator only — the RBI-regulated rail.
Finwiser never asks for your bank password. We use Account Aggregator — the consent-based, RBI-regulated rail that every major Indian bank already supports. Finwiser is listed as a Financial Information User on Sahamati’s public register.
What’s an Account Aggregator? An RBI-licensed entity that hands your bank data to Finwiser only after you explicitly consent — and only what you consent to.
Read-only access. Always.
Finwiser can see your accounts. It cannot move money, place trades, or change anything. Even if Finwiser wanted to, the rails don’t allow it.
Revoke at any time.
Withdraw consent in your Account Aggregator app. Finwiser loses access immediately. Your data is deleted from active systems within 72 hours.
More detail on what data we use, where it lives, and how long: read the Privacy Policy.
Watch how Finwy reasons
Two people. Same money. Opposite advice.
Both 35. Both with ₹52,000 left over every month.
Both 35, both with 52,000 rupees left over every month. Four things match: their age, their goals, their monthly surplus and their priorities. One thing differs. Riya holds 83 percent equity in a 46-lakh portfolio; Aman holds no equity, with 6 lakh sitting in a fixed deposit. Risk is the factor that decides it. Riya, who self-rates conservative, is told to stop adding equity because she is already over-exposed. Aman, who self-rates aggressive, is told to start equity today because cash is his real risk. For Riya, equity is the danger. For Aman, cash is.
Illustrative cases. Names changed; details composed. Your data drives your allocation, not these.
Most apps stop at the dashboard.
Finwiser starts where the trade-offs begin. Net-worth trackers show you the chart. Investing apps sell you their funds. Your CA does the math manually, once a year. Finwiser is the only one here that cannot earn a commission — by regulation, not by promise.
| Capability | Net-worth trackers | Investing apps | Your CA or agent | Finwiser |
|---|---|---|---|---|
| Shows full net worth | Yes | Partial | Manual | Yes |
| Categorises spending automatically | No | Partial | Manual | Yes |
| Computes real monthly surplus | No | No | Manual | Yes |
| 360° portfolio advice | No | MFs only | Yes | Yes |
| Goal planning + feasibility | No | No | Yes | Yes |
| Fee-only advice (no product commissions) | No | Conflicted | Yes (sometimes) | Yes |
| Dynamic recalibration | No | No | No | Yes |
| Available when you need it | Self-serve | Self-serve | Appointments | In-app |
1 of 8 · 0 of 8 · 4 of 8 · 8 of 8 — Finwiser
₹199 / month
Free while we’re in early access. Cancel any time.
Checking five apps
With one picture
Guessing your surplus
Tracking it
Being sold to
Being advised
Hoping your goals fit
Knowing what fits
Others deciding your priorities
You decide what matters
Being alone with your money
With Finwy
“Finwiser does not earn from selling you mutual funds, insurance, or any other product. I never will. Your fee is the only revenue.”
— Chandrachuda Sarma Y., Founder & SEBI RIA
Get the app →
Free while we’re in early access. When paid plans begin: ₹199 a month, plus a one-time ₹49 to unlock your first personalised report. No commissions, no product sales, no hidden charges. Full fee schedule: Disclosures.
The human behind Finwiser
Chandrachuda Sarma Yemmanuru
Founder & Designated Partner, Finwiser Technologies LLP · SEBI Registered Investment Adviser (INA000021331)
Before Finwiser he ran a ₹150 Cr P&L. He has built Finwiser alone since July 2025: about 480,000 lines of code, a six-tier classification of every account you hold, 13 financial ratios, and a live credit-bureau connection to Experian. No sales team. No commissions.
View LinkedIn profileFinwiser is built by Finwiser Technologies LLP (LLPIN ACT-7598), the technology entity. Regulated investment advice is provided by the founder as a SEBI Registered Investment Adviser (INA000021331).
Your money, finally in one place.
Connect your accounts and see your own numbers.
On Google Play · iOS coming soon
Get it on Google PlayQuestions you’re probably asking.
Asked by real users. And, honestly, the founder’s family.
What does fee-only mean? (and why does it matter?)
Once paid plans begin, you pay Finwiser two things and nothing else: a one-time ₹49 to unlock your first full report, and ₹199 a month after that — and that’s the only money Finwiser ever earns from you. We don’t get a commission for recommending a mutual fund, an insurance policy, or any other product. So when Finwy says “buy this debt fund,” it’s because the math says so — not because someone paid us.
That’s it. That’s fee-only. (Most “advisers” you’ve met earn a commission when you buy something — Finwiser doesn’t.)
That’s it. That’s fee-only. (Most “advisers” you’ve met earn a commission when you buy something — Finwiser doesn’t.)
How does Finwiser see my accounts without my password?
Through Account Aggregator — an RBI-regulated rail where you grant consent through your AA app, and Finwiser receives read-only data. Finwiser never sees, asks for, or stores your bank password.
Can Finwiser move my money?
No. Read-only access only. Finwiser can see balances and transactions, and give advice. It cannot place trades, transfer funds, or change anything in your accounts.
What if I want to cancel?
One tap in the app. Once paid plans begin, your subscription will stop at the end of the current month. We won’t ask why, we won’t try to “save” you, and we don’t keep your data — see the refund question below.
How is this different from my CA or agent?
A CA is great at filing returns and reading the rules. An agent is paid commissions to sell you specific products. Finwiser is a SEBI-registered Investment Adviser — same regulatory category as a fee-only human RIA — but priced per family, available in-app, and runs continuous math instead of a once-a-year review.
How is this different from other investing apps?
Investing apps are distributors — their job is to help you transact. Finwiser is an Adviser — our job is to tell you whether the transaction is right for you. Different licence, different incentive, different answer.
Does it work with my joint account?
Yes — and both of you stay in control. Each account holder approves the connection through Account Aggregator independently, from their own banking app. Once both have consented, the account appears in your shared family picture.
Hindi support?
Coming. The app is English-first today; Hindi is on the roadmap.
Refund policy?
Once paid plans begin: cancel any time and you won’t be billed for the next month. We won’t pro-rate — if you cancel on the 25th, you keep access until the end of that month. No surprise auto-renewals.
What’s the SEBI registration number?
INA000021331. Registered as Chandrachuda Sarma Yemmanuru (Proprietor: Finwiser). Verify on SEBI’s intermediary search at sebi.gov.in.
If I have a complaint, who do I escalate to?
Email helpdesk@finwiser.org or call +91 88012 94657 — we acknowledge in 1 working day, target resolution in 7 working days, outer limit 21. If unresolved, escalate via SEBI SCORES (scores.sebi.gov.in) or SmartODR (smartodr.in). The Grievance Redressal Officer named in the footer is the same person you’re emailing — Chandrachuda Sarma Yemmanuru.
Where’s Finwiser based?
Bengaluru. Registered office address is in the footer — this is a single-proprietor SEBI RIA, run by a real human who picks up the phone.