Kniru

Kniru is an AI-powered personal finance platform designed to help individuals understand, plan, and optimize their financial lives. It consolidates key aspects of money management—spending, saving, investing, and debt—into a single interface, providing data-driven insights tailored to each user’s financial situation. The primary purpose of Kniru is to turn raw financial data into actionable recommendations that support smarter day-to-day decisions and long-term financial planning.

The platform connects to bank accounts, credit cards, and investment portfolios to automatically track and categorize transactions, giving users a clear view of where their money goes. Kniru’s AI models analyze cash flow patterns to highlight overspending, identify saving opportunities, and forecast how changes in behavior may impact future balances. It can evaluate existing investments and suggest rebalancing options based on risk tolerance, time horizon, and market conditions. Additionally, Kniru helps users manage loans by comparing payoff strategies, estimating interest savings, and surfacing opportunities to refinance or consolidate debt.