Capitallytics official logo — blue and purple 3D translucent crystal AI CFO iconCapitallytics
Start free

Built for individuals and founders

Your money and your company's books, with an AI CFO.

Track net worth, SIPs, loans and tax as an individual. Run books, GST, cash flow and forecasts as a founder. Two separate workspaces, never mixed, and one AI CFO that answers from your own data.

Fixed formulas and rules produce every figure; the AI only explains them.

For individualsFor founders

14 days of every paid feature, Personal and Business. No card needed. Keep Free after. Create your account

Try the demo — no account needed

Personal · Home

Sample data

Net worth

₹18,41,000

+6.8% vs Aug

Savings rate · Sep

44.3%

₹82,000 kept

Emergency cover

5.0 months

Bank balance ÷ spending

Net worth

Month-end · 6 months

Where your money sits

Mutual funds 45.7% · EPF & PPF 24.3% · Stocks 17.3% · Bank & cash 12.7%

AI CFO

Sample data

“How much did I save in September?”

You kept ₹82,000 of ₹1,85,000 income after spending and your home-loan EMI: a savings rate of 44.3%.

Sample data for a fictional person, calculated the same way as your own accounts.
“We built Capitallytics because fragmented broker apps and spreadsheets fail modern investors and founders.”
— Kanisk Bora, founder

Trust

How the numbers are computed

Fixed formulas and rules produce every figure; the AI only explains them. The sample data above is calculated the same way as your own books.

  • Runway after bills due

    Rounded to one decimal. When bills due already exceed cash, rule AP-3 flags it.

    How we calculate this

    (Cash − overdue bills − bills due in the next 30 days) ÷ monthly cash burn

    • AP-3

  • Cash burn

    Measured from cash that actually moved, not booked profit. If more came in than went out, there is no runway limit to show.

    How we calculate this

    (Cash out − cash in) over the last 90 days ÷ 3

  • Fixed risk rules, before any AI

    Overdue bills against cash, 30-day obligations, losses, concentration and records that do not match the books.

    How we calculate this

    Deterministic checks on the posted ledger and open bills and invoices

    • LIQ-1
    • LIQ-2
    • AP-1
    • AP-2
    • AP-3
    • AP-4
    • PROF-1
    • CONC-1
    • DATA-1

  • Number guard on AI answers

    A reply with a figure that does not match is regenerated, or the figure is removed or replaced with an answer built from the computed numbers.

    How we calculate this

    Every figure in an AI CFO reply is checked against the computed numbers

  • Read-only import

    Capitallytics cannot move, trade or transfer money, and Business figures never become Personal income.

    How we calculate this

    Statements and CAS files are read for analysis only

  • Controls, encryption and data handling are on the security page.

Connected financial system

See your financial system work as one

Import financial data once. Capitallytics posts it to one ledger, and every report, risk check and AI answer reads that same ledger. The examples below are real product components running on a fictional sample book.

Top risk

The biggest risk in your books, before you ask

Deterministic rules run over your posted ledger and open bills and invoices: liquidity, cash after 30-day obligations, overdue bills, profitability, customer and vendor concentration, and data integrity. The most severe finding leads Business Home, with the next step to take.

The rules run before any AI model. An assistant may explain a finding, but it cannot invent one.

Explore Business finance

Business Home

Sample data
How we calculate this
  • LIQ-1 Overdue bills vs cash
  • LIQ-2 Cash after 30-day obligations
  • AP-1 Overdue bills
  • AP-3 30-day obligations vs cash
  • PROF-1 3-month net loss
  • CONC-1 One party > 25% of AP or AR
  • DATA-1 Records that differ from the books

Know what needs attention first — with the rule and the next step.

Booked vs Cash

Profit is not cash. Capitallytics shows both.

Revenue, expenses and profit are booked when an invoice or bill is posted. Cash moves only when a payment or receipt is posted. One switch flips every view between the two, and each figure says which basis it uses.

In the sample September the books show a profit of ₹60,000, while cash fell by ₹50,000: open invoices raised revenue, not cash.

Read about cash flow management

September 2026

Sample data
Booked — not cash

Revenue (booked)

Net income

Profit, not cash

Never confuse a profitable month with a cash-rich one.

AI CFO

Answers grounded in your books, with points to review

Ask about runway, overdue bills or your biggest expenses. AI CFO reads the same risk facts as Business Home: cash, bills and invoices due, cash burn, runway after bills due and concentration.

In Personal and in Business, every amount, percentage and month count in an answer is checked against your figures and the data the AI CFO read; if one does not match, you get the deterministic answer instead. The answer here is the deterministic one, built from the sample book.

Educational only. Capitallytics is not a SEBI-registered investment adviser and does not provide buy/sell recommendations.

Learn about AI CFO

AI CFO

Sample data

When will I run out of cash?

Cash covers 413% of overdue bills (₹4,95,000 of ₹1,20,000). If you pay them now ₹3,75,000 of cash remains. Runway (conservative) is 0.3 months: ₹4,95,000 cash less ₹4,20,000 of overdue and 30-day bills, at ₹2,56,667/mo of booked expenses net of expected receipts. Optimistic (cash burn only, ₹76,667/mo): 1.0 month. On cash alone it is 6.5 months. Warning: the optimistic figure is more than twice the conservative one — plan on the conservative runway.

Things to review

  1. Collect ₹1,80,000 of overdue receivables.
  2. Chase ₹3,50,000 of receivables due in the next 30 days.
  3. Review the largest expense accounts and cut what is not essential.

Cash burn = (cash out − cash in) over the trailing 90 days ÷ 3, based on 13 Jul – 10 Oct 2026. Runway (conservative) = (cash − overdue bills − bills due in 30 days) ÷ the larger of cash burn and booked expenses ÷ 3 less expected receipts. Optimistic runway uses cash burn only.

Ask in plain words; answers start from the same figures as your dashboards.

Personal workspace

Personal finance, kept personal

Your household runs in its own workspace: net worth, cash flow, portfolio, goals and tax. Business figures stay in Business; a business you own can appear only as a clearly labelled ownership asset.

Educational only. Capitallytics is not a SEBI-registered investment adviser and does not provide buy/sell recommendations.

Explore Personal finance

  • Net worth

    Assets and liabilities in one statement, with business ownership shown once as a labelled asset — never as income.

  • Cash flow & budget

    Income, expenses, subscriptions and budgets from your own ledger. Business revenue never enters personal cash flow.

  • Portfolio

    Holdings, XIRR, allocation and concentration across Indian and global investments.

  • Goals & FIRE

    Goal funding, retirement and financial-independence projections that state their assumptions.

  • Financial health

    A health score with the components behind it, so you can see what moved and why.

  • Calculators

    SIP, XIRR, CAGR, EMI, tax and more — each with a worked example and the formula.

How it works

A financial operating system — not a toolbox of disconnected features.

Capitallytics is built around the work people and finance teams already do: connect data, understand it, plan, monitor, ask, and act.
  1. 01

    Connect

    Bring in spreadsheets, statements, holdings, and integrations. Import stays read-only — Capitallytics cannot transfer funds.

  2. 02

    Understand

    Personal files stay in Personal. Business statements become canonical actuals with source and provenance on each record.

  3. 03

    Plan

    Plan household goals and budgets, or build income statements, forecasts, and financial projects for the company.

  4. 04

    Monitor

    See net worth and spending in Personal, or revenue, expenses, cash flow, and KPIs in Business — never mixed.

  5. 05

    Ask AI

    Ask questions against the financial system you are already building — personal ledgers or business books.

  6. 06

    Act

    Open Forecast, classify a line, or export a report. Insights point to the next financial action.

See how it worksImport your financials

Your data

How we keep your data safe

Details: Security · Privacy policy

  • Only you can read your rows

    Row-level security in the database returns only the rows that belong to your account, or to an organisation you are a member of.

  • Credentials encrypted with AES-256-GCM

    Access tokens for connected services are envelope-encrypted, each with its own AES-256-GCM key. If the key is missing we refuse to store them at all.

  • Statements are read, then the file is deleted

    Bank statements you upload are read once, read-only: nothing can move money. The raw file is deleted after it is read, and a nightly clean-up means no file is kept longer than a day.

  • We do not sell your data

    Your financial data is yours. We do not sell personal information to third parties.

Trust

Built for people who take financial data seriously.

Connections are encrypted. Imports are read-only. You own the data. We describe the controls that actually ship in the product — not invented certifications. Details are on the security page.

  • Privacy first

    Your financial data is yours. We do not sell personal information to third parties.

  • Secure by design

    Encrypted connections, secure authentication, and read-only import pipelines for statements.

  • You own the data

    Hosted on reliable infrastructure with access controls. Export when you need a report.

  • Encrypted connections

    Traffic uses HTTPS. Authentication goes through industry-standard providers, with optional two-factor sign-in. Statement and CAS import is designed as analysis-only — Capitallytics cannot move, trade, or transfer underlying assets.

  • Workspaces that never mix

    Personal and Business data live in separate workspaces with row-level access rules. Business revenue never becomes personal income.

  • Not financial advice

    Capitallytics provides data, analytics, and educational tools. It does not execute trades or give personalized investment advice. Review About, Privacy, and Terms.

What is Capitallytics?

Capitallytics is a financial intelligence platform for people and businesses. Personal is your financial life — net worth, cash flow, portfolio, and goals. Business is company operations — statements, forecasting, FP&A, and reports. AI sits on the same data you already keep — never mixed across the two workspaces.

Explore Capitallytics products

Plans

Pricing

14 days of every paid feature, Personal and Business. No card needed. Keep Free after.

Free

₹0forever

  • Track your income, spending, savings and investments in one place
  • See what you own and owe, plan a budget and run the numbers (net worth, budget, calculators)
  • Set money goals and see when you'll reach them (goal tracking)
  • Know roughly what tax you'll owe (personal tax estimate from your income and tax profile)
Get started free

Personal Pro

₹199/month

or ₹1,433/year (≈₹119/mo) billed yearly (40% off)

  • Get advice on the investments you actually hold, and see how a market fall would hit you (portfolio AI, stress tests, allocation drift)
  • See when you could stop working, from your own numbers (FIRE planner)
  • See if your portfolio is too risky and how to balance it (beta/Sharpe, Monte Carlo, efficient frontier)
  • Download reports to share or keep (PDF & CSV reports and exports)
See Personal Pro

Business

₹1,499/month

or ₹10,793/year (≈₹899/mo) billed yearly (40% off)

  • Everything in Personal Pro
  • Know where your cash will be, from your own books (Business AI CFO: 1,000 credits/month, cash forecasts)
  • See profit and cash side by side, never confused (booked-vs-cash switch)
  • The biggest risk in your books, flagged first with the next step (top-risk rules LIQ-1 … DATA-1)
See Business

Frequently asked questions

Straight answers on plans, pricing, imports, your data and what the AI CFO does not do.

What is Capitallytics?
Capitallytics is a finance app with two separate workspaces: Personal for net worth, budgets, goals and investments, and Business for books, reports and forecasts. An AI CFO answers questions from the figures in each workspace. It was founded by Kanisk Bora.
What is the official Capitallytics website?
The official Capitallytics website is https://www.capitallytics.com. Directory listings, social profiles, and third-party write-ups may mention Capitallytics, but product access, pricing, and support start on the official domain.
Who founded Capitallytics?
Capitallytics was founded by Kanisk Bora. The platform combines portfolio tracking, personal wealth tools, business finance, and an AI CFO assistant for investors and founders.
Is Capitallytics free?
Yes. Free includes personal tracking, net worth, calculators, a weekly business summary, the findings panel, a preview of the weekly AI CFO report, and AI CFO chat with 20 AI credits a month (1 credit per question, 5 per statement upload), up to 10 a day. New accounts get Pro features free for 14 days, no card needed.
What do Personal Pro and Business include?
Personal Pro (₹199/month) adds portfolio AI, the FIRE planner, reports and the full personal AI CFO. Business (₹1,499/month) adds the Business AI CFO, runway alerts, receivable reminders, GST/Tally exports and accountant access. AI CFO chat uses AI credits (1 credit per question, 5 per statement upload): 20 credits/month on Free, 300 credits/month on Personal Pro and 1,000 credits/month on Business. Checkout is charged in INR via Razorpay.
Is this financial advice?
No. Capitallytics provides educational tools and insights only. Always do your own research before investing.
How do imports work?
Upload CAS PDFs or broker contract notes. Parsing is read-only — Capitallytics cannot move or transfer your assets.
Who is Business Finance for?
Founders, freelancers, and small businesses. Free covers basic books; Business unlocks the Business AI CFO, runway alerts, receivable reminders, GST/Tally exports and accountant access.

Run personal and business finances in one financial workspace.

Import once. Capitallytics organizes Personal and Business in separate workspaces, then AI explains the numbers you already track.

Get startedSee how it works

14 days of every paid feature, Personal and Business. No card needed. Keep Free after.

Explore Capitallytics

Product pages and guides, grouped by what you want to get done.