One intelligence layer
for your entire financial life.
Securely connect your banks, credit cards, loans and mutual funds through India's Account Aggregator network. ZeroTab turns it all into one live net-worth view — and a weekly AI briefing written like your own CFO.
Three steps from scattered apps to one financial brain.
Connect.
Link accounts in seconds via RBI Account Aggregator, let ZeroTab read bank SMS on-device, or upload your CAMS/KFintech CAS statement.
Understand.
ZeroTab auto-builds your live snapshot — net worth, cash flow, spending, EMIs, credit utilisation and mutual-fund XIRR, all categorised for you.
Act.
Every Monday your AI CFO sends one specific insight using your real numbers — plus two actions worth doing this week.
Your money lives in 8 apps.
Your clarity lives in none.
Every account, statement and SMS tells a different story. None of them tell you the whole one.
For the first time, India's money is connectable.
RBI's Account Aggregator framework lets people share their financial data with consent — read-only and revocable. The rails are finally here. ZeroTab is built natively on them, then adds the intelligence layer on top.
See your whole financial life, beautifully.
Meet the CFO who actually knows your numbers.
ZeroTab reads your live snapshot, places you in one of 20 financial archetypes, and writes one insight in plain English — citing exact ₹ amounts and what changed since last month — ending with two clear actions. Every Monday.
Your spending fell ₹12,840 vs last month, mostly from fewer food-delivery orders. Credit utilisation is at 39% on HDFC Regalia — still above the safe 30% line. Your MF XIRR held at 14.2%, and you freed up ₹18,500 of cash this month.
Built on real financial infrastructure.
Account Aggregator engine
Consented, read-only data from banks, loans, mutual funds and insurance — fetched through RBI-licensed AA networks like Finvu.
On-device SMS intelligence
Parses 20+ Indian bank SMS formats locally on your phone. Raw SMS never leaves your device.
Mutual-fund truth engine
Live AMFI NAVs, CAS statement import from CAMS / KFintech, and real XIRR — no manual entry, no guesswork.
Archetype & health engine
20 financial archetypes and a health score computed from your savings rate, EMI ratio and credit utilisation.
Know where your money goes before it disappears.
Your portfolio, in truth — not guesswork.
We pull NAVs from AMFI and reconcile them with your CAS statement so your XIRR matches reality — not what an Excel sheet remembered.
- Live NAV tracking
- Real XIRR
- Asset & sector mix
- CAS import
- Performance snapshots
Don't just track debt. Beat it.
- EMI overview
- Credit-utilisation monitoring
- Repayment prioritisation
- Interest-cost view
- Health impact
Security is the foundation, not a feature.
- Read-only access — ZeroTab cannot move your money.
- Phone + OTP login. No passwords stored, anywhere.
- Row-level security on every database table.
- Consent is revocable at any time, in one tap.
- Your money stays at your bank — we only see the picture.
Built for people who refuse to fly blind financially.
Where ZeroTab is going.
A look at what's next. These are not shipped yet — they're on the roadmap.
What early users say.
Illustrative early-access personas
"I stopped opening five bank apps every Sunday. ZeroTab put my runway, EMIs and MF XIRR on one screen — and told me which card to pre-pay first."
"The Monday insight feels like a coach who actually read my statement. It caught a ₹1,800 subscription I'd forgotten about in a week."
"Net worth, in ₹, that I trust. The CAS import + real XIRR alone is worth it — my spreadsheet was off by 3%."
"Finally something that respects how Indian money actually works — UPI, EMIs, credit-card cycles, MFs. Not a US app rebadged."
Stop checking balances.
Start running your money.
Your financial life deserves an operating system.