Qubera

Qubera is your AI-powered personal finance companion, built for Indians who earn well but know they could be doing better.

Connect your email. In under 10 seconds, Qubera detects every credit card, bank account, and debit card you own, with no manual entry. No forms. Your complete financial picture instantly.

From there, Qubera's AI companion, Qube, works alongside you to optimise spending, track wealth, and make smarter financial decisions every single day.

Meet Qube - Your Financial Companion
Ask anything in plain language:
• "Which card should I use for this ₹5,000 Swiggy order?"
• "Where did my money go last month?"
• "How much 80C room do I have left?"
• "Am I on track for my house down payment?"

Qube knows your cards, your spending patterns, your goals, and your financial context. It doesn't give generic advice; it gives you answers tailored to your money.

• Smart Card Optimisation Qubera runs an 11-factor calculation on every transaction to tell you exactly which card maximises your rewards. Scan a QR code at a merchant and instantly know which card to swipe. Stop leaving money on the table.

• Your Complete Financial Picture (Folio) Track everything in one place - investments, real estate, RSUs, loans, insurance, income, and financial goals. See your net worth, watch it grow, and know exactly where you stand.

• Daily Personalised Insights (Queue) A feed that's actually worth opening. Reward points expiring? Spending cap approaching? Better card for your top category? Milestone bonus within reach? Qubera tells you before you think to ask.

• Benefits & Milestone Tracking Know every perk your cards offer: lounge access, insurance, fuel waivers, and vouchers. Track milestone progress with visual indicators and never let a benefit go unused.

• Next Card Recommendations Not sure which card to apply for next? Qubera scores every card across 7 dimensions against your actual spending, existing portfolio, and financial goals with estimated annual value in rupees.

• Built for India HRA, Section 80C, PPF, NPS, ELSS, gold bonds, family obligation, Qubera understands the financial reality of Indian professionals. This isn't a Western app with a currency swap. This is built from the ground up for how money works in India.

• Read-only access Read-only access. Your data stays in India. Phone numbers stored as hashes only. We see your data. We never touch your money. Your finances. Your eyes only.