Personal Finance is Just the Beginning.

To the people building the next decade of software —

We are at the beginning of a shift in how people relate to money. Not a feature update. Not a better dashboard. A fundamental change in who — or what — manages the decisions that shape your financial life.

For thirty years, personal finance software made the same bet: that people would change their behaviour to suit the tool. Log every transaction. Assign every category. Check the dashboard weekly. The apps got prettier. The friction never went away.

We built Kushim to kill that friction. But we are not building a better budgeting app.

The Shift

Every computing era crystalises around new primitives — the atomic units people create and consume, and the gestures they use to act on them. The PC era gave us files and folders. The web gave us queries and links. Mobile gave us feeds and notifications.

The AI era is giving us something different: context. The ability to hand an agent a complete picture of your situation — and let it act on your behalf. Tasks, plans, decisions — delegated to software that actually understands what you're trying to do.

Financial context is one of the richest, most personal datasets a person has — and one of the least accessible to the AI tools they're already using. Your AI can draft emails, write code, plan trips. It cannot tell you whether you can afford a holiday, what your rent-to-income ratio looks like, or whether that Splitwise balance from March was ever settled.

That's the gap Kushim closes. Not by building a smarter spreadsheet — but by becoming the financial context layer that any AI can query.

What We're Building

Kushim starts with the hardest part: getting your financial data in one place without asking you to do the work. Bank statements, UPI transactions, Splitwise balances, recurring bills — ingested, normalised, understood. Automatically.

But the product we're building is not a dashboard. It's an API for your financial life. A structured, always-current picture of your money that any AI — Claude, GPT, or whatever comes next — can read, reason over, and act on.

Ask your AI: “Can I afford to take a month off?” It knows. “What's my biggest waste?” It knows. “Am I on track for my Goa trip budget?” It knows — because Kushim told it.

This is the MCP layer: a standard interface that lets AI agents pull your financial context in real time, with your permission, without any manual export or copy-paste. Your money becomes a first-class citizen of your AI workflow.

The Ecosystem

Expense tracking is the entry point. The destination is bigger.

Imagine an AI that knows your cash flow well enough to negotiate a better deal on a subscription. An agent that notices you've hit a savings milestone and moves money accordingly. A financial copilot that gets smarter every month — not because it learned from millions of strangers, but because it learned from you.

We are building toward a world where your financial context travels with you — into every chat, every agent, every decision surface. Where “let me check my account” is something an AI says on your behalf, not something you have to do.

The teams and products that win this decade will not be the ones that built the best dashboard.

They will be the ones who made money legible to AI — and put that power in the hands of ordinary people.

Kushim is our attempt at that.