Kniru

Kniru is an AI-powered personal finance application designed to help users manage their money more effectively through intelligent tracking, analysis, and optimization. The platform integrates multiple financial management functions into a single secure interface, allowing users to monitor their spending, investments, loans, and net worth in real time. At its core, Kniru uses artificial intelligence to analyze transaction patterns, identify spending habits, and provide actionable insights that support better financial decisions. For example, the AI can detect unusual expenses, suggest budget adjustments, and highlight opportunities to save money or reduce unnecessary costs. One of the key features is the net worth tracker, which consolidates all assets and liabilities into one clear number, giving users a holistic view of their financial health. The tracker updates automatically as users connect their bank accounts, investment portfolios, and loan records, eliminating the need for manual data entry. For investment management, Kniru offers tools to monitor portfolio performance, track asset allocation, and receive AI-driven recommendations on rebalancing or reinvestment based on market trends and personal risk tolerance. Loan management is another integral component, where users can input loan details such as interest rates, repayment schedules, and remaining balances. The system then generates optimized repayment strategies, such as prioritizing high-interest loans or suggesting extra payments to reduce total interest costs over time. Spending tracking is handled through automatic categorization of transactions from linked accounts. Users can view daily, weekly, or monthly spending summaries broken down by categories like groceries, utilities, entertainment, and transpo