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Links bank, brokerage, loan and card accounts into one net-worth view with an AI advisor on top
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.
Free tier with 30 AI messages a month and the full tracking features. Pro is $39.99 a month with 200 messages; Alpha is $99.99 a month with 1,000 messages and beta budgeting and goals.
Use tool ↗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.
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.
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