Your money, sorted over a kaapi.
Kaapi reads your inbox, turns it into a clear picture of your spending and credit, and gives you two AI agents — one to lift your score, one to roast your spending.
One app that actually understands your finances.
Kaapi connects to your email, reads your transaction alerts and statements, and turns them into a live picture of where your money goes — and how healthy your credit is.
Automatic spend tracking
No manual entry. Kaapi extracts every transaction from your inbox and sorts it into clear categories — instantly.
Credit score, explained
See your CIBIL score and exactly what drives it — utilisation, payment history, mix — in plain English, not jargon.
Subscriptions & recurring
Kaapi finds the subscriptions quietly draining your account and flags what to cancel before the next charge.
Fix credit-report errors
Wrong details, duplicate accounts, incorrect late marks — Kaapi detects them and drafts the dispute emails for you.
Trends over time
Watch your score, debt and spending move month over month — so you can see progress, not just a snapshot.
Two AI agents, on your side
Ask anything about your money. One agent coaches your credit; the other roasts your spending — both grounded in your real numbers.
Not a chatbot. Two coaches that read your actual money.
Every number they say comes straight from your report and transactions — never made up. Ask a question, tap a button, and they get to work.
Improve Score
Finds exactly what’s holding your score back — an overdue, a maxed card, a wrong detail — and walks you through the fix, one step at a time. It’ll even draft the dispute emails to the bureau and your bank.
Roast Spend
A witty, sharp read on where your money actually went — with real merchants and real numbers. Funny first, useful always, and it ends with one thing you can actually do.
Set up once. Kaapi does the rest.
Connect your inbox
Securely link your email. Kaapi reads only your transaction alerts and statements — read-only, nothing else.
Get your money, decoded
A live dashboard of spending, subscriptions and trends — plus your CIBIL score explained in plain English.
Talk to your agents
Ask Improve Score to lift your credit or Roast Spend to check yourself. Real answers from your real numbers.
Your money is personal. We treat it that way.
Kaapi only reads what it needs to build your dashboard — and your data is never sold.
- Read-only access to your inbox
- Only transaction & statement emails are read
- Your data powers your experience — never sold
- Disconnect any time
Frequently asked
What is Kaapi? +
Kaapi is an AI-powered personal finance app for India. It automatically tracks your spending from your email, explains your CIBIL credit score in plain English, and gives you two AI agents — one to help lift your credit score and one to give you an honest take on your spending.
How does Kaapi track my spending? +
Kaapi securely connects to your email inbox and reads only your bank and card transaction alerts and statements to build a categorized spending dashboard — with subscriptions and trends detected automatically. There’s no manual entry.
Does Kaapi work with my CIBIL credit score? +
Yes. Kaapi pulls your credit report, explains your score and what drives it in plain English, and its AI credit coach highlights exactly what’s holding your score back.
Can Kaapi help fix errors on my credit report? +
Yes. Kaapi detects likely errors — wrong personal details, duplicate accounts, incorrect late marks or balances — and drafts the dispute emails to the credit bureau and lender for you to review and send.
What are the two AI agents? +
Improve Score is an on-your-side credit coach that finds what’s dragging your score down and can draft disputes and next steps. Roast Spend gives a witty, honest, numbers-based take on where your money is actually going.
Is my financial data safe? +
Kaapi uses read-only access and only reads what it needs — your transaction and statement emails — to build your dashboard. Your data is used to power your experience, never sold.
Is Kaapi free? +
Kaapi is launching in early access. Join the waitlist to get an invite.
Get Kaapi before everyone else.
Join the waitlist and we’ll send you an invite. No spam — just your spot in line.