Life is enough to manage. Your money shouldn't be another job.
Kubear keeps up with your money, so you don't have to. One chat. A few straight answers. Put the heavy bag down.
Kubear Play
Play. Learn. No login.
Free money games, puzzles and 60-second stories. Fictional money.
Kubear in plain words
What Kubear is.
Kubear is a personal finance app for India that helps people and families keep spending, salary, bills, goals, investments, loans and insurance in one place, and ask questions about their own money, without reading your SMS.
- What it does
- Keeps your spending, salary, bills, goals, investments, loans and insurance in one place. You ask questions in Chat and get answers from your own records.
- How data gets in
- You type or say it in Chat, or upload a bank statement, CAS statement, receipt, policy or broker holdings. You check a draft, then save.
- Optional extras
- Mutual fund statement import (CAS, read by CASParser), digital gold and silver by OroPocket, and a will draft.
- What it does not do
- No SMS reading. It never moves your money. It gives no advice.
- Languages
- English and Hinglish.
- Platforms
- Kubear for Android is on Google Play. There is no iPhone app.
- Price
- Free during early access. There are no prices yet.
- Made by
- Kuberos Innovations Private Limited, Surat. For adults (18+) in India.
01 / The wall of chores
Organising money is useful. Doing it all day is not.
Having your money organised is valuable. Having to constantly organise and think about your money is not.
One app asks for a little attention. Then another. Then another. Soon it is a second job.
Nobody signed up for this02 / A real month
And that's before real life shows up.
Money does not move in neat rows. It moves in a month, with people in it.
Salary in
The good day. It does not last long.
Rent out
Gone before the chai gets cold.
Home loan EMI
Same date. Every single month.
SIP day
Small money, going somewhere slowly.
Credit card bill
The shopping, the petrol, that one dinner.
Chai, auto, groceries
Small taps that add up quietly.
A wedding
Gifts, clothes, travel. Family counts on you.
A trip
The Goa plan is in the group chat. The money is not.
03 / The big question
"What is left this month?"
Five apps. One calculator in your head.
Open the bank app. Check the card app. Look at the SIP app. Scroll the spreadsheet. Then do the maths in your head and hope.
minus EMI minus ...
wait, did the SIP go?
04 / Then Kubear arrives
A few straight answers. Not twenty dashboards.
Ask in chat, in plain words. Kubear answers from what you have recorded, with the source next to it. It tells you facts and dates. It never tells you what to do.
What you can afford
What is left this month after rent, EMI and the bills that are due.
What needs attention
Something due soon, or a missing number. Said as a fact, with no alarm.
What's coming up
The next dates ahead, in order. Dates and amounts. Not orders.
Hi Riya205 / The whole idea, on one page
The enemy is your attention.
Most money tools want more of it. A good money app lets you think about money less. Kubear gives your attention back.
Useful, but a lot of work
Powerful, and it wants you back every day.
Kubear
A few straight answers. Then you get on with your day.
Easy, but thin
Quick to open. Tells you very little.
Work, with little back
You feed it every entry. It hands back a list.
Organised money is valuable. Thinking about it all the time is not.
06 / How your money gets in
Honestly? You tell it. Once.
No reading your SMS. Type or say it in Chat, or upload a bank statement, CAS statement, broker screenshot, receipt photo or insurance policy. Kubear reads it into a draft. You check it. Nothing is saved without you.
Say it or send it
"Paid rent 18,000" in Chat. Or upload a statement, receipt, policy or CAS PDF.
Kubear drafts it
It reads the paper and writes a draft, line by line. Nothing is saved yet.
You check it
Fix an amount. Untick a line. Duplicates are caught. Then say yes.
You save once
Your confirmed entries stay, and you can export or delete them. Files you upload for reading are deleted after each reading attempt.
Hi Riya2Bring in a document
What this means
- Some setup, once. Then small updates when life changes.
- Answers are as fresh as what you last added. Each one shows its date.
- If something is missing, Kubear says so. It never guesses a zero.
What it is not
- Not reading your SMS.
- Not linking to your bank or an Account Aggregator.
- Not moving your money. "Pay a friend" only opens your own UPI app.
Where your papers go
Bank, policy and receipt documents are read by Claude, an AI service from Anthropic, to make a draft. A locked PDF is unlocked on your device. A CAS statement and the password you type are read by CASParser. Kubear uses the password once, does not store or log it, and deletes its temporary copy of the PDF after every attempt. Nothing is saved until you check the draft and confirm.
07 / Family Room
One family. Everyone's own money stays theirs.
Share the rent. Not your salary. Personal stays private. A Family Room shows only what you put in it.
Personal stays private
Your own records are yours until you put something in the Family Room.
The owner invites
People join as Can add or View.
Splits and settle-ups
Record who paid, who owes, and when it was paid back.
Our home
08 / Privacy and control
Your money. Your business.
Phone login
You sign in with your mobile number. Kubear does not read your SMS.
You confirm every entry
Kubear drafts. You check. Nothing is saved until you say yes.
Export and delete
Take your records out, or ask for deletion, from the app.
Every answer shows its source
Each number says where it came from and the date.
Personal and Family Room apart
Your own money stays private. Shared money lives in the Family Room.
Made in Surat, for India
Rupees, UPI, EMI and festival months, built by Kuberos Innovations.
09 / Small thank-yous
Kubear ka Khazana.
A little coin for small good habits, like checking a draft or adding a bill. Coins and points only. No cash value. They cannot be bought, sold or cashed out.
COINS ARE NOT MONEY.
10 / Also inside
A few more honest things.
Kubear Pro, free
Pro is free during early access. No prices yet. You will see any price before you are asked to pay.
Mutual fund statement import
Upload a CAS PDF. CASParser reads the file and the password you type. Kubear uses the password once and deletes its copy of the PDF after every attempt. You review the draft before anything is saved.
Will draft
An optional form that puts your answers into a fixed template. Kubear is not a law firm and does not give legal advice. Have a lawyer review it before you sign. It is not valid until signed and witnessed. Family Room members cannot see it.
Digital gold and silver, with OroPocket
An optional link to OroPocket, a separate company that handles buying, selling and payments. When you choose to open it, your mobile number and name are shared with OroPocket. Kubear shows provider-sourced gold and silver facts and never moves money itself. Not bank deposits. Not regulated by SEBI or RBI. Prices go up and down.
App lock
Lock Kubear with an optional 6-digit PIN on this device. It hides the app on that device only.
Export and delete
Export your data from Settings. Delete your account from the app: there is a 48-hour wait, and you can cancel.
11 / Questions
Sawaal? Seedha jawab.
01Does Kubear give advice?
No. Kubear shows what you recorded, works out the numbers and explains how. It does not tell you what to buy, sell, repay, insure or file. It is not an investment, insurance, tax, debt or legal adviser.
02How does my money get in?
You tell it. Type or say it in Chat, check it, save once. Or upload a bank statement PDF or Excel, a CAS statement, a broker screenshot, a receipt photo or an insurance policy. Kubear makes a draft and you review it before anything is saved.
03What happens to my data?
You sign in with your mobile number. Kubear does not ask for your bank login. Files you upload for reading are read to make a draft, and Kubear deletes its temporary copy after each attempt. You can export or delete your data from the app. The Security page explains each part in plain words.
04Can my family see my money?
Only what you put in the Family Room. Personal stays private. The owner invites people. Members can add or only view.
05What does it cost?
Kubear Pro is free during early access. There are no prices yet. Any price will be shown clearly before you are ever asked to pay.
06Does it work on iPhone?
No. Kubear is an Android app on Google Play. There is no iPhone app.
Put theheavy bagdown.
What you can afford. What needs attention. What's coming up.
Get it on Google PlayKubear for Android is on Google Play.