The idea
Where to keep it
It should be safe and quick to reach, not chasing returns. Common choices are a savings account, a sweep-in FD, or a liquid fund, where money usually reaches your bank the next working day.
Your first SIP, minus the confusion.
Learn the basics in short lessons, 3 or 4 minutes each. Then start a SIP that fits your answers. Pause or stop it any time.
Coming to Android and iPhone soon.
Example fund page
Flexi cap fund · Growth
₹0.00NAV as of 24 Oct 2026 · AMFI
Shape for illustration. The app shows the real chart, with falls.
What it costs
Fee: 1.62% a year (₹162 on every ₹10,000).
Minimum SIP: ₹500 a month.
Start a SIP from ₹500
What we do differently
Every number has a date and a source.
In the app, every figure carries the date it's from and where we got it: NAV from AMFI, minimums from BSE. Tap any number to see.
Example flexi cap fund
- NAV
- NAV as of 24 Oct 2026 · AMFI
- Fee
- Fee as of 30 Sep 2026 · fund house disclosure
- Fund size
- Size as of 30 Sep 2026 · AMFI
- Min SIP
- Minimum as of 24 Oct 2026 · BSE StAR MF
Example card. Tap or hover a number.
Learn before you invest.
Lessons are short cards you flick through, 3 minutes or so each. This is a real one from the app: "Why an emergency fund comes first".
The idea
Before you invest
A job change, a medical bill or a family need can come without warning. If you have nothing set aside, you may have to sell investments when they're down, or borrow at high interest.
Card 1 of 4
Try it. No sign-up.
Two of the tools from the app, with the same maths.
Payslip decoder
Your CTC is not your salary. Here's what reaches your bank.
From your offer letter.
In hand a month, new regime₹45,000
In hand a month, old regime₹45,000
Tax a year (new / old)₹0 / ₹0
PF a year (yours + employer's)₹28,800 + ₹28,800
The new regime leaves more in your bank for this salary, before any rent or 80C beyond PF.
Rules as of FY 2026-27. Basic is 40% of CTC and HRA is 40% of basic. PF is 12% of full basic, from you and from your employer. Professional tax ₹2,400 a year (KA). Your offer letter's split may differ; this is an estimate.
The app also handles rent, HRA and other deductions. Estimates only, not tax advice.
SIP calculator
What a monthly SIP could add up to, at a rate you choose.
An assumption you pick, not a prediction.
You put in₹2,40,000
Could be about₹4,02,915
Assumes 10% a year, every year. Real returns go up and down and can be negative; this is not a promise.
The app shows what real funds actually did over past years, falls included. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
Start with what nobody explained.
- 01
Your first salary
- Reading your payslip
- PF: the money you save without noticing
- Professional tax: the small line on your payslip
- Old or new tax regime: which one is yours
- Reading your Form 16
- Your first salary: a simple order of things
6 lessons so far · 2–4 min a lesson
- 02
Emergency fund first
3 lessons so far · 2–3 min a lesson
- 03
SIPs and compounding
- What a mutual fund actually is
- NAV: the price of one unit
- SIP or lump sum
- Compounding: why starting early matters
- When markets fall
- Step-up SIPs: grow it with your salary
6 lessons so far · 2–4 min a lesson
Ask, honestly.
Answer 5 questions and Ask shows up to 3 funds that fit, each with its reasons and its risks. It won't tell you what to buy.
We're a mutual fund distributor, not an investment adviser. Ask explains; the choice is yours.
Ask
Scripted example. The app names real funds and links each one to its page.
Where your money goes.
- YouMoney leaves your own bank account, by UPI, net banking or AutoPay.
- BSE StAR MFThe exchange platform that carries the order and the payment to the fund house.
- The fund houseIssues units in your name and keeps the record.
We never hold your money. Your units sit with the fund house in your name, and you can see them on CAMS or KFintech without us. If we shut down, they stay yours.
Straight answers.
Is it free to use?
Yes. You don't pay us anything. Lessons, tools and Ask are free, whether or not you ever invest.
Is my money safe? What if you shut down?
Your money goes from your bank to the fund house through BSE StAR MF. It never sits with us. Units are held in your name at the fund house, and you can see them on CAMS or KFintech. If we shut down, your units stay yours. Like any mutual fund, their value can go down as well as up.
What do I need to start?
A PAN, a bank account in your name, and you need to be 18 or older. If you've done mutual fund KYC before, that's it. If not, the app takes you through it.
What's the minimum? Can I stop or pause a SIP?
Many funds take SIPs from ₹500 a month; each fund page shows its own minimum. You can pause or stop a SIP any time from the SIP screen, in no more taps than it took to start.
Is Ask giving me advice?
No. Ask explains things and shows funds that fit the answers you gave, with the reasons from our fund-picking rules. It doesn't tell you what to buy and never promises returns. We're a mutual fund distributor, not a SEBI-registered investment adviser.
Who regulates you?
Mutual funds are regulated by SEBI. As a mutual fund distributor we're registered with AMFI and follow its code of conduct. Orders go through BSE StAR MF, BSE's platform for mutual fund transactions. Our registration details are on the disclosures page.
Start with a lesson. Invest when you're ready.
Coming to Android and iPhone soon.