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One app for every big financial decision.

Koshi brings every account, property, investment and loan you have, in every country, into one real net worth. Then it helps you decide what to do next.

Try a free check
  • We never hold or move your money
  • Every number encrypted, never shared

Good evening

Your net worth

AED 4.91M

UAE · India · UK · US, in AED

What do you want to decide?

Illustrative only. Information, not financial advice.

Free 60-second checks

Try it now. No sign-up.

Pick a question. A few taps gives you a first answer, shown as a range.

Built by a team from

Your money lives in five apps, three countries and one spreadsheet. None of them can tell you if you're okay.

So you guess. A spreadsheet that's out of date in weeks. Apps that each see one slice. An adviser who only sees what they manage. Or nothing at all.

We're building Koshi so you can see everything you own, at its real value, and decide your next move with confidence.

track their net worth in a spreadsheet
58%
hold assets in two or more countries
61%
are open to AI in their financial decisions
74%
want to retire early
47%

* Koshi survey, October 2026.

Less guessing, more deciding

Your whole financial life, finally adding up.

See it, plan it and protect it, in one place.

Late-afternoon sun across an empty kitchen table and folding chairs at home.

Net worth

AED 4.91M

  • UAE 62%
  • India 33%
  • UK 3%
  • US 2%
  • Marina 2BR(valued)AED 2.12M
  • Bengaluru flat(estimate)AED 604K
  • Indian mutual funds(statement)AED 677K
  • Provident fund(statement)AED 283K
  • End-of-service gratuity(estimate)AED 186K
  • Mortgage(connected)−AED 1.24M

+ 15 more across 4 countries

Illustrative only. Information, not financial advice.

1

See

Your real net worth

Every bank account, property, fund, pension, gold, crypto, car, watch, gratuity and loan, in every country, in one number. Not just your investments. Everything you own, minus everything you owe, in the currency you choose.

  • Every asset
  • Every country
  • One number
Golden light through vertical blinds and a sliding screen door at home.
Home value
AED 2.05M–2.19M
From 14 recent sales
Spending
AED 31,400/mo
Runway 9.5 months

Your plan

Work becomes optional at 52.

Illustrative only. Information, not financial advice.

2

Plan

Decide your next move

Every plan starts from real numbers. Koshi values your home from registered sales, not listing prices, and reads your spending across accounts and countries to show what to change. Set a goal and it becomes a dated plan: when work becomes optional, whether to buy here or back home, how long you'd last without a salary. Change one decision and see what happens to the rest.

  • Property valuations
  • Spending and runway
  • Dated plans
Soft morning light filling a quiet kitchen, a dish rack by the window.

Watchers

  • Your fixed rate ends in 74 days.Payments could rise by about AED 1,100 a month.
  • Your UAE will doesn't cover your Bengaluru flat.Property in India may need its own will.
  • Spouse accesson

Illustrative only. Information, not financial advice.

3

Protect

Know before it costs you

Koshi watches for the moments that cost money if you miss them: a fixed rate about to end, a goal slipping, a will that doesn't cover property in both countries, an insurance gap. Share access with your spouse so nothing depends on one person's memory.

  • Watchers
  • Will and cover check
  • Shared access

Every country, one number

Money in many countries. One clear picture.

Property, stocks, bonds, funds, pensions, gold, crypto, cars and watches. Each country in its own currency, rolled up into one net worth in the currency you choose.

UAE

د.إ AED
  • Marina 2BRAED 2.12M
  • Stocks and ETFsAED 1.24M
  • Bonds and sukukAED 170K
  • GoldAED 88K
  • CryptoAED 78K
  • CarAED 140K
  • WatchAED 32K
  • Mortgage, Marina 2BR−AED 1.24M
  • Car loan−AED 82K

+ 3 more

AED 3.03M

India

₹ INR
  • Bengaluru flat₹1.45 Cr
  • Mutual funds₹1.62 Cr
  • Gold jewellery₹8 L
  • Provident fund₹68 L
  • NRE savings account₹10 L

₹3.93 Cr

UK

£ GBP
  • Stocks ISA£7,000
  • Workplace pension£26K

£33K

US

$ USD
  • Company shares$15K
  • US Treasury bills$7,000

$22K

Your net worth

AED 4.91M

  • UAEAED 3.03M
  • IndiaAED 1.64M
  • UKAED 162K
  • USAED 79K

Live exchange rates

Illustrative only. Information, not financial advice.

Everything Koshi values

Every asset class and every country in one net worth, and every number shows where it came from.

Registered sales and the closest comparables, shown as a range with a confidence level. Refreshed monthly.

Daily market prices and fund values, in their own currency.

Balances through read-only connections, or from your statements.

From your statements: Indian provident funds, UK workplace pensions and more.

Market prices, with coupon dates and maturity tracked for you.

By weight and purity, at today's price.

From make, model, year and mileage, against recent market prices.

Your payment plan tracked, with what's paid, what's due and when, against recent sales in the project.

Worked out from your salary and years of service under UAE labour law.

At live market prices.

From reference and condition, against recent resale prices.

Balance, rate and schedule, so what you owe comes off what you own.

Anything else

Tell Koshi in rough numbers. It shows a range and sharpens it as you add more.

AI-native

Ask Koshi anything.

In plain words, by text or voice. Koshi answers from your real balance sheet, shows its working, and tells you what it would change.

Koshi suggests and alerts. It never moves money, places a trade or buys a product for you.

Ask Koshi

When can I stop working?

On your current numbers, work becomes optional at about 52, in 2039.

You have AED 3.34M in savings and investments, you save about AED 14,200 a month and you spend AED 31,400. At a 5% real return you reach AED 9.42M, enough to cover your spending at a 4% withdrawal rate.

What I'd change: the AED 85K idle in your current account. Investing it brings the date forward by a few months.

Work optional

Age 52

Range 51 to 54, depending on returns

Illustrative only. Information, not financial advice.

Private by design. Accurate by obsession.

  • Every number and input is encrypted.

    In transit and at rest. Your balance sheet is yours.

  • Never shared or sold.

    Partners only see what you choose to send, when you ask.

  • Read-only connections.

    Koshi can see balances. It can't move money.

  • Delete everything, any time.

    One tap removes your data from Koshi for good.

Questions, answered plainly.

  • No. Koshi gives you information, calculations and alerts about your own money. It does not give regulated financial advice, and it won't until it is licensed to. When you want a professional, Koshi can show you options, and you decide.

Know where you stand. Decide what's next.

Koshi is coming soon. Join the waitlist and we'll be in touch before launch.

Join the waitlist

Koshi is coming soon. Leave your name and email and we'll be in touch before launch.

We'll only use this to contact you about Koshi. No spam, never shared.