Kniru
Verified Oct 23, 2026 ActiveLinks bank, brokerage, loan and card accounts into one net-worth view with an AI advisor on top
Listed on EffectHub ·
Pricing
- Pricing model
- Freemium
- Paid options from
- $39.99/mo
- Billing
- Monthly
Free tier with 30 AI messages a month and the full tracking features (net worth, spend, subscriptions, investments, loans, reports). Pro is $39.99 a month with 200 messages, data enrichment, CSV import and export and daily email reports; Alpha is $99.99 a month with 1,000 messages, early access and beta budgeting and goals. Monthly billing only; a WELCOME code advertises 70% off the first month of Alpha.
Use tool ↗About Kniru
Kniru pulls accounts from more than 11,000 institutions into a single picture: net worth, spending by category, subscriptions you forgot, portfolio and loan analysis, and weekly or monthly reports. On top sits a chat advisor metered in messages, which is what separates the tiers. The core plan is free with 30 AI messages a month; Pro at $39.99 adds data enrichment, CSV import and export, refund and transfer tracking and 200 messages; Alpha at $99.99 opens beta budgeting and goals with 1,000 messages. The company is Kniru, Inc., built by a team with hedge fund and academic research backgrounds, and it states it does not sell user data.
- Platforms
- Web
- API
- Not confirmed
- Last verified
- Oct 23, 2026
Verified sources
- Pricing page: Free $0 with 30 AI messages, Pro $39.99/mo with 200 messages, CSV import/export and enrichment, Alpha $99.99/mo with 1,000 messages and beta budgeting and goals marked 'contact us for access'; footer © Kniru, Inc. (15 October 2026)kniru.com ↗
- Home page: aggregation across 11,000+ institutions, net worth, spend, subscription, investment and loan tracking with a chat advisor on top (15 October 2026)kniru.com ↗
Is Kniru legit?
We don’t label tools safe or unsafe. Below are the records we checked ourselves, each with the date we read it.
- Domain registered
- Mar 22, 2022 (4 years ago)Registry record (RDAP), registrar Amazon Registrar, Inc., looked up Sep 6, 2026
- TLS certificate
- Issued by Amazon, valid until Feb 2, 2027Seen in our own connection to the site on Oct 23, 2026
- Last checked
- Oct 23, 2026The site answered
- On the market since
- 2024The vendor's own material, read by us
- Operated by
- Kniru, Inc., United StatesOur research, card verified Oct 15, 2026
Pros & cons of Kniru
The free tier is unusually complete: net worth, spend analysis, subscription tracking, investments and loans are all there without paying, which is the opposite of how this category normally works. The paid tiers buy AI messages and data enrichment rather than core features. At $39.99, Pro is priced well above the personal finance apps it competes with.
Pros
- Core tracking features stay free, including investments, loans and subscriptions
- Connects to more than 11,000 financial institutions
- Explicit statement that user data is not sold
- CSV import and export on paid tiers, so your data is not trapped
Cons
- Pro at $39.99 a month is expensive next to established budgeting apps
- AI usage is capped by message count at every tier
- Budgeting and goals, the features most people want, are still in beta on the top tier
Best for
- People who want account aggregation and net worth tracking without a subscription
- Retail investors wanting portfolio and loan analysis in the same view as spending
- Anyone put off by ad-supported budgeting apps
Not for
- Heavy chat users, since even Pro caps at 200 AI messages a month
- Users outside the coverage of its US-oriented institution list
Watch out: Budgeting and goals on the $99.99 Alpha plan are marked beta and require contacting the company for access, so the top tier does not fully deliver them yet.