ICICI Bank
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SEBI Registered · Fee-only · ₹199 a month · Private beta on Google Play
Three minutes.
Your full picture.
Connect your accounts and see your real surplus, your real goals, and what to do next. Fee-only fiduciary advice — never a commission, never a product pitch.
“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.
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
Illustrative example · Your numbers will be yours.
Three minutes. Three steps.
Connect once. Finwiser handles the rest — and recalibrates as life changes.
01
Connect every account in a few taps.
You approve each connection on your bank’s own RBI-regulated rail. Finwy never sees your password — ever. You can disconnect any time, with one tap.
02
See what’s actually left.
Finwy reads every transaction — sorts each rupee into income, fixed expense, variable expense. Then it tells you the one number you’re tired of guessing: your real monthly surplus.
Most months, it’s bigger than you think.
03
Tell Finwy your goals. Let math decide.
You list what matters — emergency, retirement, the flat in 2031, the bike this year. Finwy ranks them by your priority, allocates every rupee of surplus, and tells you up front which goals fit and which don’t. No random tips. No influencer noise. No commission-driven “advice.” Just math, made visible.
Watch how Finwy reasons
Same surplus. Different lives. Different next move.
Same surplus. Opposite portfolios.
Both 35. Both earn ₹52,000 surplus a month.
Both 35-year-olds with 52,000 surplus. Riya has 83 percent in equity in a 46-lakh portfolio. Aman has zero, with 6 lakh sitting in fixed deposit. Risk is the decisive factor. Riya is told to stop adding equity and rebalance. Aman to start equity.
Riya M.
83%in equity
₹46Lportfolio
Opened Finwy after a colleague’s heart attack at 38.
Riya
STOP
Stop adding equity. Buy term. Build liquidity.
₹52K/mo · allocated
Term insurance₹3K
Emergency₹15K
Debt funds₹20K
Equity (reduced)₹14K
Aman K.
0%in equity
₹6Lall in FD
Opened Finwy after his crypto-friend’s third disaster.
Aman
START
Start equity. Today. Skip the side bets.
₹52K/mo · allocated
Term insurance₹3K
Emergency₹10K
Debt funds₹4K
Equity SIP₹35K
Both 35, identical 25-lakh portfolio at 60 percent equity. Arjun's primary goal is buying a 50-lakh flat in 5 years. Suresh's primary goal is his daughter's college, also 50 lakh, in 12 years. Goals is decisive. Arjun shifts to a balanced fund. Suresh holds steady at 60 percent equity.
Arjun S.
5yOwn flat
₹50Lprimary goal
Opened Finwy after a builder’s sales-pitch dinner.
Arjun
SHIFT
Move 40% to balanced. 5 years can’t survive a 25% drop.
₹25L · rebalanced
Balanced fund₹10L
Equity (reduced)₹5L
Debt₹7.5L
Cash₹2.5L
Suresh R.
12yChild’s education
₹50Lprimary goal
Opened Finwy on his daughter’s 4th birthday.
Suresh
HOLD
Stay 60% equity. 12 years rewards the volatility.
₹25L · held
Equity₹15L
Debt₹7.5L
Cash₹2.5L
Both 35-year-old senior engineers in Pune earning 1.6 lakh, both with about 50,000 surplus. Vivek has one active goal — retirement. Karan has four — kids' education, parents' health buffer, retirement, emergency. Priorities is decisive. Vivek concentrates. Karan sequences.
Vivek N.
1primary goal
25yretirement horizon
Opened Finwy after a friend lost ₹15L on tips.
Vivek
FOCUS
One goal, deeply funded. Time does the rest.
₹50K/mo · allocated
Retirement₹35K
Mid-term (flat)₹10K
Emergency₹5K
Karan M.
4active goals
3+dependents
Opened Finwy when his daughter started kindergarten.
Karan
SEQUENCE
Education first. Parents next. Retirement third. Order matters.
₹50K/mo · allocated
Kids’ education₹15K
Parents’ health₹12.5K
Retirement₹12.5K
Emergency₹10K
Same surplus. Different goals. Different priorities. Different recommendations — and they keep changing.
Finwy keeps your goals on track.
Get yours →Illustrative cases. Names changed; details composed. Your data drives your allocation, not these.
What Finwiser does for you, right now.
Not what we’ll build. What runs today.
-
See every account in one place.
Banking, investments, pensions, insurance, loans & cards, business, physical assets — thirty-plus account types across seven buckets. One picture.
-
Auto-categorise every transaction.
UPI, salary, rent, EMIs, OTT, that one Swiggy habit. Sorted automatically.
-
Tell you your real monthly surplus.
Not what your bank shows. What’s actually left after the obligations you forgot. Updated daily.
-
Watch the ratios that matter.
Savings rate. Debt-to-income. Retirement readiness. Emergency-fund cover. In plain language, not a finance textbook.
-
Rank goals. Allocate every rupee.
Emergency first, retirement next, lifestyle last. Surplus goes where it matters most — automatically.
-
Recalibrate as life changes.
Bonus, layoff, market drop, new EMI — the plan updates without you opening the app.
Most apps stop at the dashboard. Finwiser starts at the conflict.
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 whose business model says no to commissions.
| 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
All inclusive. 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
Try the demo →
Free during private beta. Pricing kicks in only when the app moves to public release.
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. RBI-regulated.
Finwiser never asks for your bank password. We use Account Aggregator — the consent-based, RBI-regulated rail that 1,000+ banks already support.
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.
Questions you’re probably asking.
Asked by real beta users. And, honestly, the founder’s family.
What does fee-only mean? (and why does it matter?)
You pay Finwiser ₹199 a month — 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. Your subscription stops at the end of the current month. We don’t ask why, we don’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 (Groww, Kuvera, Zerodha) 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 launches with the public release.
Refund policy?
Cancel any time and you’re not billed for the next month. We don’t pro-rate — if you cancel on the 25th, you keep access until the end of that month. We don’t auto-renew in surprise.
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 [email protected] 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.
Three minutes. Your full picture. Try it.
Sample data, real flow. See exactly what Finwiser would tell you about your money.
Google Play — private betaSynthetic demo credentials. Phone nine eight seven six five four three two one zero. OTP one two three four five six.