A small team of engineers, traders, and writers. We use the product daily. We make money the same way you do — by being right about the markets, not by selling subscriptions.
I'm an Indian retail investor. Money spread across three brokers, a spreadsheet I updated by hand, and a WhatsApp group full of “sure-shot” tips I never quite trusted. And one question I could never actually answer: is my portfolio any good — or am I just getting lucky?
I'm also a software engineer — twelve years of it. So when no Indian product would answer that question honestly, I built one. For myself, first. It started as a side project in December 2025, went full-time in January, and opened to the public in March 2026.
Every feature in UseMoney exists because I needed it for my own money before anyone else did. I'm still its first and most demanding user — if something annoys me, it gets fixed; if a feature gets in the way, it gets removed.
India crossed 225 million demat accounts in 2025 — up from 50 million in 2020. Around 125 million unique investors. And fewer than 1,300 SEBI-registered Investment Advisers to serve all of them.
Indian retail got the apps it deserved a decade ago — Zerodha, Groww, Upstox, Angel One — and then innovation stalled at execution. You can buy a stock in three taps. You still can't get a straight answer about whether you should.
The next ten years won't be about more brokers or cheaper trades. They'll be about the intelligence layer on top: AI that actually reads your real portfolio across every broker, strategies that backtest honestly instead of curve-fitting the past, and tools that respect the Indian tax code instead of pretending it's the US one.
That's the bet UseMoney is built on — that the winner in Indian wealth-tech won't be the platform with the most brokers, but the one that finally makes 125 million portfolios legible to the people who own them.
We are not (yet) a SEBI-registered Investment Adviser.
Registration is in motion — the founder is completing NISM XA and XB. Until SEBI IA registration is granted, everything in the product is educational and analytical, never advisory.
Read-only access to your broker accounts. We cannot place orders. We will never write “buy this stock now.” Once we are RIA-registered, that changes — until then, the product is built to be useful inside those constraints, not around them.
If you need formal investment advice before then, consult a SEBI-registered Investment Adviser.
OAuth read-only on every broker. We cannot place, modify, or cancel orders. By design, not by promise.
STCG, LTCG, PPF, EPF, NPS. Indian holidays. Indian inflation. No translated US assumptions in a calculator.
Free is real. PRO is ₹249/month. AI compute has a meter — we'd rather show it than hide it.
StockSage cites sources, returns tables, shows the math. It computes, it doesn't predict.
Send us your three favourite books, your real XIRR, and what you'd change about UseMoney first.