USE MONEY. INTELLIGENTLY.

Ask anything
about your money.
No more guesswork.

AI that's actually read your portfolio — every broker, every holding. Real answers, not generic tips.

Try asking →

What's my real sector concentration?Roast my portfolio Is my MF overlap hurting returns?Did my last 6 trades beat a Nifty SIP?

Start free →See how it works

✦ Read-only· we can't place orders✦ 5 free credits / month, forever✦ PRO ₹249/mo · 50% off

NIFTY 5024,891+1.23%SENSEX81,643+0.98%BANKNIFTY54,120+0.45%RELIANCE₹2,487+2.1%TCS₹3,821-0.3%INFY₹1,654+1.8%HDFC BANK₹1,743+0.6%ICICI BANK₹1,247+0.4%ITC₹437+1.1%SBIN₹812+0.8%LT₹3,612-0.6%HUL₹2,418+0.2%BHARTI ARTL₹1,612+1.4%KOTAK BANK₹1,742-0.1%WIPRO₹542+2.4%NIFTY 5024,891+1.23%SENSEX81,643+0.98%BANKNIFTY54,120+0.45%RELIANCE₹2,487+2.1%TCS₹3,821-0.3%INFY₹1,654+1.8%HDFC BANK₹1,743+0.6%ICICI BANK₹1,247+0.4%ITC₹437+1.1%SBIN₹812+0.8%LT₹3,612-0.6%HUL₹2,418+0.2%BHARTI ARTL₹1,612+1.4%KOTAK BANK₹1,742-0.1%WIPRO₹542+2.4%

01 / INTELLIGENCE

StockSage knows your portfolio. Generic AI doesn't.

If you've ever pasted Zerodha P&L into a spreadsheet to add Angel One returns — yes, this is for you.

PERSONA 01

The multi-broker investor

Zerodha for delivery, Groww for MFs, Angel for F&O. Your XIRR is a mystery. One dashboard fixes that.

unified holdings

PERSONA 02

The researcher who hates Excel

Stack 70+ technicals on top of fundamentals, ask follow-ups in plain English, save the screen, revisit weekly.

scanner + chat

PERSONA 03

The strategy builder testing a thesis

Compose a rule-based strategy, backtest it across regimes with walk-forward, and get an honest review from StockSage before you risk a rupee.

build · backtest · validate

PERSONA 04

The FIRE planner who thinks in INR

Real Indian assumptions — STCG, LTCG, PPF, EPF. Plot the year you can stop. Adjust until it feels real.

FIRE in ₹

02 / PRODUCT

A short tour, on every screen.

The whole product on the laptop you trade with, the tablet you read on, and the phone you tap during the open.

app.usemoney.ai/dashboard?view=chat4 brokers · LIVE

StockSage › Analysis › INFY (Infosys Ltd)

Good evening, Shaswat. your sage is up.

⌘ KNEW CHAT

LIVE

TODAY'S P&L

+₹42,180

VALUE

₹17.24L

XIRR

+18.6%

UNREALIZED

+₹2.41L

SAGE · L2 RESEARCH · INFYcited · 14 rows

Verdict · Margin expansion holding above 200 bps for three consecutive quarters. Forward PE 24.3× vs sector 27.8× — relative discount despite quality.

P / E

24.3×

ROE

28.1%

REV YoY

+14.2%

Δ MARG

+340bp

TOP HOLDINGS4 brokers

ZRELIANCE₹2,487+2.1%

GHDFCBANK₹1,743+0.6%

UTCS₹3,821−0.3%

AINFY₹1,654+1.8%

ZITC₹437+1.1%

GSBIN₹812+0.8%

TABLET · HOLDINGS

UHoldings● LIVE

147 instruments, across 4 brokers.

Reconciled in 90 seconds. Tap any row to ask StockSage.

ALL 147EQ 112MF 28ETF 7

SYMBOLLTPDAY

RELIANCE42 sh · ₹104,454

₹2,487+2.1%

HDFCBANK18 sh · ₹31,374

₹1,743+0.6%

TCS7 sh · ₹26,747

₹3,821−0.3%

INFY24 sh · ₹39,696

₹1,654+1.8%

ITC110 sh · ₹48,070

₹437+1.1%

PHONE · STOCKSAGE

9:415G

StockSage● FLASH · 4 BROKERS4/5

@INFY fundamentals & momentum?

SAGE · L2 · INFY

Infosys — healthy.

Verdict · margins above 200bps three quarters running. PE 24.3× vs sector 27.8×.

P/E

24.3×

ROE

28.1%

REV

+14.2%

Δ MRG

+340bp

Ask StockSage anything…

Send

↪ full sidebar, every surface — 18 routes, one keystroke away.

↩ the right rail is your broker quilt.

↑ read-only on the iPad, over chai.

＋ StockSage on the platform between trains.

03 / FOUNDATION

Every broker, one portfolio. So the AI sees what you actually own.

Five broker tabs and a Google sheet is not how anyone should run a ₹15-lakh portfolio. Connect once via official OAuth and your holdings, positions, and trade history sync across all eight brokers we support. That unified view is what makes the AI useful: when StockSage talks about your concentration risk, it's talking about the real one, not the one in your head.

ZerodhaBeta

GrowwSoon

Angel OneSoon

UpstoxSoon

DhanSoon

FyersSoon

HDFC SkySoon

ICICI DirectSoon

8 brokers · NSE + BSE · 14,000+ mutual funds · Read-only OAuth — we never place orders.

04 / HOW

Three things, then you're set.

No long onboarding. No "schedule a demo." Connect a broker and start asking.

STEP 01

Connect a broker.

OAuth into Zerodha (or Groww, Angel, Upstox, Dhan, Fyers, HDFC Sky, ICICI). Read-only — we never place orders. Holdings sync in roughly 90 seconds.

→ sync · zerodha
holdings · 47 instruments
positions · 3
tradebook · 2,114 rows

STEP 02

Ask anything.

"What's my XIRR vs NIFTY?" "Show IT stocks with margin growth." "Roast this portfolio." StockSage routes to the right model — simple chats are free; deep research costs 1-3 credits.

you › roast my portfolio
sage › 38% IT concentration, no debt
fund exposure, 1 dud (avg buy ₹420 vs
cmp ₹287, -32%).

STEP 03

Then trade like you mean it.

Build rule-based strategies and backtest them on 10+ years of history. Plan your FIRE date in INR. Export ITR-ready capital gains when April rolls around.

backtest › golden_cross / NIFTY50
cagr · 14.7% · sharpe · 1.31
mdd · -18.4% · trades · 41
win-rate · 58.5%

05 / WHY

Why not the other ones.

Not a hit-piece. Just where we differ — one AI-native peer (Multibagg AI) and the two tools you already know.

Capability	UseMoney AI	Multibagg AI	Smallcase	Tickertape
AI chat on YOUR portfolio	Yes · 5 free / mo	Ask Portfolio	No	No
Broker sync (read-only)	8 brokers	3 brokers	13+	16+
No-code strategy builder	Yes	No	Baskets	No
Backtesting (walk-forward)	Yes	No	No	No
FIRE calculator (INR)	Yes	No	No	Basic SIP
ITR capital-gains report	Yes	No	No	No
Starting paid price	₹249/mo	₹999/mo	per-basket	₹2,399/yr

See the full comparison — 11 tools, both tiers →

06 / CUSTOMER ZERO

I built the tool I always wanted.

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. Every feature in UseMoney exists because I needed it for my own money before anyone else did.

Turns out I wasn't the only one. We're a few months into beta now — bootstrapped, solo, growing every week on word of mouth from people who had the exact same problem I did.

— Shaswat Deep, founder

Read the full story →

07 / PRICING

Pricing that's actually for retail investors.

FreeFor everyone, no card required

₹0forever

5 credits / month

Unlimited StockSage chat (Flash)
5 research credits / month
FIRE Calculator
Manual tradebook & portfolio
1 broker · 30-day intro
Live broker sync after 30 days
Live discovery & charting

Start free →

🔥 50% OFF

LAUNCH

PRO50 credits / month · the sweet spot

₹249₹499/month

Billed monthly · cancel anytime

Everything in Free
50 research credits / month
Unlimited broker sync (all 8 brokers)
Unlimited holdings & positions sync
Stock & MF discovery with live data
No-code strategy builder
Backtesting on historical NSE data
Purchase additional credit packs

Go PRO →

50% OFF

Premium200 credits + AI strategy builder

₹1,499₹2,999/month

Billed monthly · cancel anytime

Everything in PRO
200 research credits / month
Portfolio analysis with StockSage
Build trading strategies with StockSage
Personalized learning modules
Higher concurrency (5 parallel L2 runs)
Priority support · <24h response
Purchase additional credit packs

Go Premium

See full pricing →

08 / FAQ

Questions we get a lot.

How does pricing actually work?

Free forever with 5 credits/month. PRO is ₹249/month or ₹1,999/year (50% and 60% off respectively) for 50 credits/month and unlimited broker sync. Premium is ₹1,499/month / ₹14,990/year for 200 credits and AI-assisted portfolio analysis. Credit packs (50 / 100 / 250 / 500 / 1,000 credits) never expire.

How do AI credits work?

Simple chats are free. Research credits are spent on deeper work — multi-step research costs 1-3 credits, comprehensive stock dives cost ~10, comparisons across 5 stocks cost ~40. The system auto-routes to the right model for the question.

Can you place orders for me?

No. We use read-only OAuth.We can see your holdings and tradebook; we cannot place, modify, or cancel orders. This is by design, and we'd like to keep it that way.

What if I'm on a broker you don't support?

CSV import works for everything. We add brokers based on user volume — write to us and tell us which one.

Is my data safe?

256-bit AES-GCM encryption at rest, TLS in transit, isolated MongoDB per region, and broker tokens stored encrypted with rotation. No personally identifiable data ever leaves our cloud. Full details on the security page.

Ready to Use Money intelligently?

Start free. 5 AI credits/month forever. Upgrade only if it earns it.