Two comparisons — the new AI investing platforms and the legacy tools Indians have used for years. Not a roast: what each is good at, and where we're built different.
The recent wave of AI investing tools built for Indian markets. Each is strong in its lane — research, strategy, chat, or broking. We're the workspace that ties research to your real, reconciled book.
| Capability | UseMoney AI | Multibagg AI | Tradomate | Astor | Kalpi | Chanakya | Trackk |
|---|---|---|---|---|---|---|---|
| Your real portfolio | |||||||
| Multi-broker portfolio sync | ✓ 8 · read-only | 3 · read-only | — | US only | broker-linked | CSV upload | own broker |
| Unified XIRR / P&L across brokers | ✓ | dashboard | — | — | health report | upload only | own account |
| AI chat grounded in YOUR holdings | ✓ cite-and-audit | ✓ Ask Portfolio | stock-level | ✓ US-only | — | via upload | — |
| Research & AI | |||||||
| AI stock research | ✓ multi-model | ✓ Iris | ✓ Circuit AI | ✓ US stocks | ✓ quant | ✓ chat advisor | ✓ screeners |
| Scanner / screener | ✓ 70+ indicators | fundamentals | ✓ NL → rules | — | ✓ rule-based | fundamentals | ✓ AI screens |
| Strategy, planning & tax | |||||||
| No-code strategy builder + backtest | ✓ walk-forward | — | ✓ 3-layer | — | ✓ quant | — | — |
| FIRE calculator · INR-native | ✓ | — | — | US-native | — | — | — |
| ITR-2 capital-gains export | ✓ | — | — | US tax | — | — | — |
| Pricing & access | |||||||
| Free tier | ✓ 5 credits/mo | ✓ 10 prompts/mo | ✓ | — | ✓ free forever | ✓ free core | ✓ ₹0 a/c |
| Starting paid price | ₹249/mo | ₹999/mo | free + paid | USD sub | ₹499/mo | free + consult | ₹20/trade |
| Trust | |||||||
| Cannot place orders (read-only) | ✓ by design | ✓ research | ✓ research | executes | executes | ✓ advisory | is a broker |
Each of these is genuinely good at a focused slice. Here's where they win, and where the workspace approach wins.
Multibagg AI's Iris reads filings and concalls, and Ask Portfolio can reason over connected holdings — it's a serious research engine. We differ on the workspace around it— read-only OAuth across 8 brokers, plus the strategy builder, backtest, FIRE, and ITR layer Multibagg AI doesn't cover.
Tradomate is genuinely strong on the research-and-strategy side — a natural-language screener, a no-code strategy builder, and layered backtesting with its Circuit AI co-pilot. We add the portfolio half it doesn't do — reconciling your real brokers, plus FIRE and ITR tax.
Kalpi (Rainmatter-backed) is a no-code quant platform — build, backtest, and execute rule-based systematic strategies. If you live in factor models, that depth is its edge. We trade some depth for breadth: conversational research on your holdings, multi-broker reconciliation, FIRE, and tax — and we never execute.
Chanakya is a free, beginner-friendly AI advisor — a quick risk quiz, plain-English chat, and KEEP/SELL/ADD calls on holdings you upload as CSV. Both of us are educational, not SEBI-registered. We go deeper — live read-only sync across 8 brokers (vs an upload), a real scanner, strategy builder + backtest, FIRE, and ITR tax.
The tools Indian retail investors have stacked for years — Smallcase, Tickertape, Screener.in, Chartink, StockEdge.
| Capability | UseMoney AI | Smallcase | Tickertape | Screener.in | Chartink | StockEdge |
|---|---|---|---|---|---|---|
| Portfolio & reconciliation | ||||||
| Multi-broker portfolio sync | ✓ 8 · read-only | ✓ 13+ | ✓ 16+ | manual | — | manual |
| Unified XIRR / portfolio analytics | ✓ | ✓ | ✓ | manual | — | watchlists |
| CSV import for any broker | ✓ 14 formats | — | — | — | — | — |
| Research & AI | ||||||
| AI chat grounded in YOUR holdings | ✓ cite-and-audit | — | — | doc AI | — | — |
| Fundamentals deep-dive | ✓ multi-model | — | ✓ 130+ filters | ✓ 10-yr data | basic | ✓ |
| Scanner · technicals + fundamentals | ✓ 70+ indicators | — | ✓ both | fundamentals | ✓ technicals | ✓ 500+ scans |
| Screens & backtesting | ||||||
| Backtesting | ✓ walk-forward | — | — | — | ✓ scan-based | — |
| No-code strategy builder | ✓ | baskets | — | screens | scan rules | combo scans |
| Auto-place orders to your broker | — (by design) | ✓ | US stocks | — | — | — |
| Planning & tax | ||||||
| FIRE calculator · INR-native | ✓ | — | basic SIP | — | — | — |
| ITR-2 Schedule CG export | ✓ | — | — | — | — | — |
| Pricing & access | ||||||
| Free tier exists | ✓ 5 credits/mo | ✓ free baskets | ✓ | ✓ | ✓ | ✓ |
| Starting paid price | ₹249/mo | per-basket | ₹2,399/yr | ₹4,999/yr | ₹780/mo | ₹1,799/yr |
| Security | ||||||
| Read-only access (no order scope) | ✓ all 8 brokers | places orders | ✓ read-only* | N/A | N/A | N/A |
The four most investors actually weigh us against. Each owns its slice — here's the honest split.
Smallcase is a marketplace of manager-built baskets you invest in directly through your broker, with one-click rebalancing across 13+ brokers. It picks for you; we're a workspace for your own work — AI research on your real holdings, strategy builder, FIRE, and ITR tax, all read-only.
Screener.in is the gold standard for fundamental analysis — 10-year financials, formula-based custom screens, peer comparison, free for the core (and it just added AI document-insights). We make those numbers conversational and personal — AI chat on your reconciled holdings, a strategy builder, FIRE, and ITR tax.
Tickertape is a superb screener and analytics tool — 130+ filters across fundamentals and technicals, multi-asset portfolio analysis, read-only sync with 16+ brokers. We add the conversational + strategy + tax layer — AI chat on your holdings, a strategy builder with backtest, FIRE, and ITR export.
Chartink is a real-time technical scanner — custom scan clauses, breakout/indicator screens, alerts, and scan backtesting on decades of data. We wrap scanning in the whole workspace — multi-broker portfolio, AI chat on your holdings, fundamentals alongside technicals, FIRE, and tax.
On raw broker count, Tickertape (16+ brokers) and Smallcase (13+ brokers) beat us. We support 8 today and will add more · but if your only criterion is “support every broker on the planet,” they are better choices. We won't pretend otherwise.
On AI chat grounded in your real, multi-broker portfolio, plus a no-code strategy builder with walk-forward backtesting at retail pricing, nobody else in India does all three. That combination is the entire product thesis.
These are adjacent products, not direct competitors. Smallcase is curated thematic baskets sold by SEBI-registered advisers · useful, different shape. INDmoney is a full-stack neobank-ish app with its own brokerage · useful, different shape. If you want curated baskets, use Smallcase. If you want a one-app neobank, use INDmoney. If you want AI that reads your existing portfolio across whatever brokers you already use and helps you reason about it, that's us.
Astor (YC S25) is US-only and SEC-registered · different market, different regulatory regime. Multibagg AI is the closest shape-match in India · multi-broker read-only with Iris + Ask Portfolio AI on top · and we respect what they're building. The gap is walk-forward backtesting and the strategy builder + ITR-2 tax workflow that ships alongside the chat.
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