Your money is everywhere. Kubear brings it into focus.

spend
UPI payment · ₹840
Auto · ₹840 · Fuel
bill
HDFC card due
Credit card · ₹18,400 · Due Fri
spend
Swiggy charged ₹640
Food delivery · ₹640 · Today
invest
SIP · ₹5,000 invested
SIP · ₹5,000 · Nifty 50
sub
Netflix · Renews tomorrow
Subscription · ₹649 · Tomorrow
shared
Rohan owes you
Shared · ₹3,500 · Pending
income
Refund · ₹1,299
Refund · ₹1,299 · Amazon
income
Salary credited
Salary · ₹1,20,000 · Today
spend
Food · ₹1,240 this week
Category · Food · ₹1,240
bill
Electricity bill
Utility · ₹2,180 · Tomorrow
sub
Spotify renewal
Subscription · ₹119 · 12 Nov
shared
Rent split · 2 pending
Shared · ₹42,000 · 2 pending
spend
Uber · ₹287
Transport · ₹287 · Today
spend
ATM withdrawal
Cash · ₹5,000 · SBI
bill
Gas cylinder booked
Utility · ₹1,105 · Booked
income
MF dividend
Income · ₹412 · Dividend
Timeline
This week
Live
Today
Salary credited
HDFC · 09:12
+₹1,20,000
Swiggy
Food · 13:40
₹640
UPI to Rohan
Shared · 21:04
₹2,000
Tomorrow
Netflix renews
Subscription
₹649
Electricity bill
Due
₹2,180
Friday
Credit card bill
HDFC · Due
₹18,400
SIP scheduled
Nifty 50
₹10,000
Safe to spend · this week
₹18,400
+ safe
Balance₹1,24,560
− Upcoming bills₹31,290
− SIPs₹10,000
− Shared₹14,800
Safe to spend₹18,400
Balance
₹1,24,560
Bills
₹31,290
Spend M
₹72,430
Subs
₹2,247
Food delivery is 22% higher than last month.
Card bill is due before salary.
Daily briefing · Tue
Five things about your money.
1
Your credit card bill is due in 4 days.
2
Food delivery is trending higher this month.
3
₹1,299 refund was credited yesterday.
4
Rent split is still pending from 2 people.
5
You have ₹18,400 safe to spend this week.
Ask Kubear
Can I spend ₹12,000 this weekend?
Yes, but keep ₹18,400 aside for your card bill and subscriptions. Your safe-to-spend after that is ₹21,600.
CardsBills
Food delivery this month?
₹4,280 across 14 orders. 22% higher than last month.
UPICards
Rent ke baad safe balance kitna hai?
After rent and bills, you'll have ₹18,400 safe to spend this week.
Shared SpaceBills
Ask about your money…
Personal
Home
Rent
Paid · 1 Nov
₹42,000
Groceries
Split · 3 people
₹8,240
Electricity
Due tomorrow
₹2,180
Maid salary
Upcoming · 5 Nov
₹6,000
Rohan owes
Pending
+₹3,500
Shared with HomePersonal · private
Trust & control
Calm. Controlled. Private.
Read-only access
Kubear can show your money picture, but cannot move your money.
Private by default
You choose what is personal and what is shared.
Control stays with you
See what is connected. Disconnect anytime.
No noisy upsells
A calm product, not another app trying to sell you something.
A new lens for money

Your money is everywhere. Kubear brings it into focus.

A calm view of your banks, cards, UPI spends, bills, subscriptions, SIPs, and shared expenses — with answers when you need them.

The problem

Every app shows a slice. None shows the whole picture.

Your bank knows your balance. Your card app knows your bill. UPI knows your payments. Your family knows the shared expenses. You are left connecting the dots.

Kubear

Kubear connects the dots.

Transactions, bills, income, subscriptions, investments, and shared expenses become one understandable money layer.

Structure

Not just tracked. Understood.

Kubear groups your money by what it means, not just where it came from.

Timeline

From money noise to a clean timeline.

See what happened, what is coming, and what needs attention.

Safe to spend

Know what is actually available.

Kubear looks at bills, subscriptions, SIPs, rent, and shared expenses before showing what you can safely use.

Daily briefing

A daily briefing for your money.

What changed, what matters, and what you can ignore.

Ask Kubear

Ask your money questions like you would ask a person.

Plain English for everyday money decisions. Hinglish when it feels natural.

Personal & Home

Share household money without sharing your whole life.

Create shared spaces for rent, groceries, bills, trips, and goals. Keep personal savings and private spends separate.

Trust & control

Built for financial data, not attention.

Kubear should feel calm, controlled, and private from the first connection.

Early access

Make money feel less scattered.

Join the early version of Kubear and help shape a calmer way to understand everyday money.

Join early access

Read-only beta · Built around Indian money habits

Early access · India only

Stop juggling apps. Get Kubear.

Free while we're in beta. Read-only, always. No ads, no data selling, vaada.

Kuberos Labs · Made in India