Simplify Money

Simplify Money is an AI-powered personal finance platform designed to democratize financial advice and literacy for middle-class and young adult Indians. The company combines advanced artificial intelligence, machine learning, and natural language processing to deliver hyper-personalized, judgment-free financial guidance accessible through a mobile application.

Core Products & Services

• Kuber.AI – AI-Powered Personal Finance Assistant – Multilingual (English, Hindi, Hinglish, Kannada, and 19+ native languages) conversational AI providing 24/7 judgment-free, hyper-personalized financial advice based on individual income, spending patterns, tax brackets, and goals; accessible via voice or text with no hidden charges or commissions

• Financial Health Assessment & Scoring – Comprehensive financial health checks and scoring system that analyzes income, expenses, assets, liabilities, insurance coverage, and overall financial well-being with actionable improvement suggestions

• Goal-Based Financial Planning – Tailored planning tools for specific life goals including education planning, retirement planning, home purchase, and wealth building with progress tracking and milestone management

• Tax Planning & Savings Optimization – Personalized tax-saving strategies and income optimization recommendations based on individual tax slabs, salary structure, and investment portfolio

• Investment Access – Gateway to mutual funds and equity investments with curated recommendations aligned to individual risk profiles and financial goals

• Digital Gold Investment – Gold investment starting from as low as ₹10 providing a secure, flexible way to build gold savings within the app

• Loan Against Mutual Funds – Facility to pledge mutual funds for instant disbursement within 24 hours with zero paperwork and flexible repayment options without selling existing investments

• Insurance Integration – Curated health, term life, auto insurance, and other insurance products available at 100% online with zero commission charges and full price transparency

• Financial Literacy & Gamified Learning – Bite-sized educational content through quizzes, interactive stories, and videos designed for engagement and retention, particularly targeting Gen Z users

Business Model & Revenue Streams

• Freemium with Premium Services Model – Core AI advisory and financial health assessment services completely free; no subscription fees or hidden charges for Kuber.AI access, democratizing financial advice availability

• Product Affiliate & Commission Revenue – Revenue generated through partnerships with insurance providers, mutual fund distributors, digital gold platforms, and lending partners; earning commissions on customer transactions while maintaining transparent pricing for users

• Loan Against Mutual Funds Margin – Revenue from interest margin or lending fees on loan-against-mutual-fund products offered through platform partners

• Partner Ecosystem Monetization – Strategic partnerships with insurance companies, mutual fund houses, fintech lending platforms, and digital gold providers sharing customer acquisition costs and transaction revenues

• User Growth & Scale Model – Currently trusted by 100,000+ users with target of onboarding 10 million users in 5 years; revenue scales with user base growth across affiliate commissions and product partnerships

• Rewards & Gamification Incentive Model – User engagement through rewards programs for sign-ups, referrals, financial tracking, and challenge completion; potential monetization through sponsored challenges and partner promotions

• Data-Driven Personalization Model – Anonymized, non-identifiable user financial behavior data and patterns leveraged to improve AI recommendations and create valuable insights for financial partners without compromising user privacy