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Complete Net Worth Tracking
All assets and liabilities in one secure view via RBI Account Aggregator.
Services / Financial Intelligence
Two ways to make better financial decisions.
Use Worth to understand your complete financial life, or work directly with our SEBI-regulated advisory practice for personalised, fee-only guidance.
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SEBI RIA · INA000022695
Launching Soon
Worth App
Your financial life, translated into decisions.
A personal finance application that brings your entire financial life into one place and tells you what it means.
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Financial Health Score
A daily 100-point score that turns complex finances into clear signals.
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Daily Safe Spend
Know what you can comfortably spend today without derailing your goals.
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Goal-Based Planning
Set milestones, model timelines and follow an intelligent asset allocation.
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Spending Intelligence
See patterns, recurring bills and subscriptions before they become leaks.
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AI Finance Copilot
Ask financial questions in plain language and get relevant, clear answers.
Fee-only advisory
Human judgement, without product-selling incentives.
Personalised advice under SEBI-regulated investment advisory on a strictly fee-only basis. We earn only advisory fees — never commissions.
Schedule a ConsultationComprehensive Financial Planning
Portfolio Review & Asset Allocation Guidance
Goal-Based Investment Planning
Retirement Planning
Risk Profiling & Suitability Assessment
Understand
Bring scattered financial information into one trusted view.
Evaluate
See patterns, trade-offs and suitability with greater clarity.
Act
Take focused steps aligned with your goals and risk profile.
Designed around your need
Choose the level of support that fits.
See your complete financial picture
For people who want a clearer everyday view of cash flow, net worth, spending and goals through the Worth App.
Work through important decisions
For people seeking a documented plan, risk assessment and personalised guidance from a SEBI Registered Investment Adviser.
Safeguards by design
Clarity needs trust underneath it.
Technology and advisory serve different roles, with clear consent, suitability and regulatory boundaries around each experience.
Consent-led access
Permissions remain visible and controllable.
Suitability before advice
Personalised guidance begins with your needs and risk profile.
Regulated accountability
SEBI RIA · INA000022695 · BSE Enlisted No. 2527
Questions, answered
Before you choose a service.
Clear information before you take the next step.
01Is the Worth App the same as investment advice?
No. The Worth App is a financial intelligence product designed to organise and explain your financial information. Personalised investment advice is provided separately through WorthOS Technologies Private Limited's SEBI-registered advisory practice.
02How does fee-only advisory work?
The advisory relationship is paid for directly through an advisory fee. We do not earn commissions from distributing financial products.
03Will you recommend specific investments?
Recommendations, where applicable, follow risk profiling, suitability assessment and the agreed scope of a regulated advisory engagement.
04How is financial information connected?
The Worth App is designed around consent-led access through India's RBI Account Aggregator framework. You remain in control of the permissions you provide.
Choose clarity over financial noise.
Start with a focused conversation about your financial priorities.