Why another personal finance app?
time.money is a SEBI Registered Investment Advisor that consolidates everything - saving you hours, money, and eliminating the stress of financial uncertainty.
Is it worth my time/money?
The complete financial diagnostic you've been placing together across apps - unified in one place. Real insights no one else gives you. We charge you directly. Our incentives are completely aligned with yours.
Behaviour & Insights
Lower fees, deploy idle cash.
Behaviour: The Psychological Mirror.
The costliest gap in your portfolio isn't returns. It's your mindset when the markets test you.
Insights: Small shifts. Big outcomes.
Your allocation should fit your capacity to take risk - not guesswork or what feels comfortable.
Protections Goals & Retirement
Lower fees, deploy idle cash.
Protection Goals: The Non Negotiables.
Three things standing between you and a financial crisis.
The Retirement Readiness Gauge.
The costliest gap in your portfolio isn't returns. It's your mindset when the markets test you.
Behaviour & Insights
Lower fees, deploy idle cash.
Behaviour: The Psychological Mirror.
The costliest gap in your portfolio isn't returns. It's your mindset when the markets test you.
Insights: Small shifts. Big outcomes.
Your allocation should fit your capacity to take risk - not guesswork or what feels comfortable.
Protections Goals & Retirement
Lower fees, deploy idle cash.
Protection Goals: The Non Negotiables.
Emergency Savings, Life Cover, Health Insurance. We assess the gap between what you have and what you need. We don't sell - we show.
The Retirement Readiness Gauge.
The costliest gap in your portfolio isn't returns. It's your mindset when the markets test you.
Can I trust you with my data?
We cannot touch your money. Ever.
Read-only by design. Encrypted by default.
Bank Grade Security
Security is layered with secure by design technology architecture. Your data is encrypted with AES-256 bit and TLS 1.3 encryption the same standard used by leading banks.
Read-Only Access
Our data security first approach ensures we cannot transact, modify, or access a single rupee from your account. Our SEBI-regulated framework allows us to only analyse your data.
Privacy First
Your financial data is yours alone. Security compliant with regular audits.
Are you the right fit for us?
We would rather turn you away than let you down.
We'll frustrate you if ..
- You check your portfolio daily and react to every swing.
- You want hot tips and quick wins.
- Patience feels like a weakness.
There are platforms built for this. We're not one of them.
You belong here if ..
- You invest regularly, but wonder "is my money actually working?"
- You want a plan, not thrills.
- You'd rather be quietly wealthy than loudly invested.
If this is you, you're already one of us.
Frequently Asked Questions
Everything you need to know before you get started.
Who Are We(4 questions)Pricing(3 questions)Security & Privacy(4 questions)Getting Started: Discovery Plan(3 questions)Behaviour(13 questions)Adding Assets & Liabilities(6 questions)Retirement Readiness(4 questions)Protection Goals(3 questions)Conversational AI(4 questions)
Who Are We
time.money is a brand of Karat Capital Advisors Pvt. Ltd., a SEBI-registered investment advisory platform (INA200015219) for urban Indian professionals, offering unbiased financial advisory built on the relationship between time, money and behaviour. We are an advisory + technology led platform, not a tech product with finance features bolted on.
time.money was founded by investment advisory and technology professionals, not engineers who added financial advice on top of a fintech app. We built the platform advisory-first and technology-led from day one, and that grounding shapes how it's designed, researched, and priced.
- Ramesh BukkaCEO and Co-founderBackgroundHDFC BankKotak Mahindra BankEntrust Family Office
Brings close to three decades of wealth management experience across HDFC Bank, Kotak Wealth, and Entrust Family Office.
LinkedIn - Chidananda AJCo-founder and CTOBackgroundInMobiPlivoRazorpayPropertyGuru
Leads product and technology, with prior experience at InMobi and Razorpay.
LinkedIn - Ramesh GCo-founder and COOBackgroundDarashaw SecuritiesKotak Mahindra Asset ManagementEntrust Family Office
Oversees operations, compliance, and regulatory matters, keeping the advisory process aligned with SEBI's RIA framework as the platform scales.
LinkedIn
Yes, time.money (brand of Karat Capital Advisors Pvt Ltd) operates under SEBI RIA registration (INA200015219), making us a fiduciary: legally required to act in your best interest. As a SEBI RIA, we are an Advisor, not a distributor. Distribution earns commissions on products sold, advisor earns from client fee.
Most wealth management in India is distribution dressed up as advice, earning commissions on what's sold to you. time.money is a subscription fee based on SEBI RIA, so our fee doesn't change with your portfolio size or the products you hold.
Pricing
time.money charges an extremely affordable subscription fee under Discovery Plan and Advisory Plan, never a percentage of your assets under management.
Most wealth managers in India charge fees as a percentage of assets: the more you invest, the more you pay, regardless of the actual advice given. time.money's subscription model means your fee stays independent of your portfolio size or the products you hold.
Charging you directly, rather than earning commissions from AMCs or insurers, is what keeps our advice conflict-free under SEBI RIA regulations. It's the same reason a fee-only or subscription model is considered the more transparent standard in financial advisory.
Security & Privacy
Yes. time.money is built privacy-first, with security layered at every step your data takes.
- Encrypted in transit. Every connection uses TLS 1.3, and our edge network screens malicious traffic before it reaches our servers.
- Stored only in India. Your data lives on AWS infrastructure in the Mumbai region. Credentials and keys are held in a managed secrets vault, never in application code.
- You control what we access. Bank, mutual fund and loan data reaches us only through consent-based, RBI-regulated channels such as the Account Aggregator framework and MFCentral. Every consent is time-bound and limited in scope, and you can revoke any linked account from your profile at any time.
- A second check on sensitive actions. Signing in, linking a loan and deleting your account each require a one-time password.
- Analytics never sees your finances. Usage analytics is optional, identifies you by a pseudonymous token rather than your account, and filters out names, PAN, account numbers and amounts before anything is sent. Session recording is switched off.
- You can leave whenever you want. Deleting your account revokes every linked connection and permanently removes your data after a 48-hour cool-off period, keeping only what regulation requires.
We review our security controls regularly and fix what we find before it can reach you.
No. time.money does not and will not sell user data to any third party, under any circumstances.
As a safety measure, all your sensitive data is masked by default when you first open your account. Tap the eye icon to unmask them, or leave them masked at any time for added privacy.
No, time.money doesn't use passwords. Access is through an OTP sent to your registered mobile number, which keeps your account better protected against common password-based attacks.
Getting Started: Discovery Plan
The Discovery Plan is how time.money maps your financial starting point (your investing psyche, behaviour, risk profile, goals, and protection needs) before any advice is given. It's the foundation everything else on the platform builds on.
You register using your mobile number and email from the 'Get Started' link on the landing page. No password required. From there, the Discovery Plan begins mapping your financial picture.
time.money uses purpose-built tools to assess your investing psyche, behaviour, and risk profile as part of the Discovery Plan. The output helps you understand yourself as an investor, so your plan actually fits how you think and decide, not just your numbers.
Behaviour
Behaviour Analysis looks at the traits that shape how you actually invest (Financial Engagement, Optimism, and Future Orientation), because financial outcomes depend as much on behaviour as on asset allocation. It runs alongside Wealth Analysis as part of your overall Financial Wellness picture.
Financial Engagement measures how actively you track and act on your own finances: reviewing your portfolio, responding to nudges, staying on top of your money rather than checking in once a year. Low engagement is one of the earliest signs of drifting off a financial plan, often before the numbers themselves show any damage.
Optimism reflects how confident you feel about your financial future improving over time. A healthy level supports staying invested through market swings, while excessive optimism can mean under-preparing for setbacks; time.money looks at this balance rather than optimism alone.
Future Orientation reflects how much you prioritise long-term goals (retirement, a child's education) over short-term spending or reacting to market noise. Investors with stronger future orientation tend to save more consistently toward long-horizon goals, which compounds meaningfully over decades.
Research consistently shows investors often earn less than the very funds they hold, a gap driven not by bad products, but by panic-selling, chasing trends, and poor timing. The right behaviour protects and compounds good decisions; the wrong behaviour can undo even a well-built portfolio.
Often, yes on both counts. A disciplined investor in an average fund frequently outperforms an undisciplined investor in a great one, simply by staying invested through volatility rather than reacting to it.
The behaviour gap is the difference between the returns a fund actually delivers and the lower returns its investors actually earn, usually caused by panic-selling or performance-chasing. time.money's Behaviour Analysis exists specifically to help close that gap through timely, personalised nudges rather than generic advice.
Through the Discovery Plan's behavioural assessment, time.money helps you see patterns, like a tendency to chase recent winners or hesitate before investing, that quietly work against you. This self-awareness is the first step to correcting them.
Wealth Analysis looks at how well you understand the mechanics behind your own portfolio (investment costs, inflation, wealth compounding, and portfolio design), because financial outcomes depend as much on this understanding as on the investments themselves. It's assessed alongside your Behaviour Analysis as part of your overall Financial Wellness picture.
Costs like a fund's expense ratio look small in isolation but compound significantly over a long investment horizon: a 1% difference in cost can meaningfully change your final corpus. time.money's Wealth Analysis flags where cost drag is quietly working against you.
Inflation erodes the real value of your money over time, so a return that looks healthy on paper may barely beat inflation once adjusted. Understanding this distinction is central to setting realistic goals, especially for long-horizon goals like retirement.
How well you understand compounding (that returns themselves start earning returns over time) shapes how consistently you invest and how early you start. time.money assesses your grasp of this alongside cost and inflation understanding, and separately offers the Wealth Compounding Estimator to let you see the effect play out for your own goals.
Portfolio design covers whether your money is allocated sensibly across asset classes and diversified appropriately for your goals and risk profile, not just what individual funds or stocks you hold. Wealth Analysis checks your grasp of these principles, since poor portfolio design is one of the most common and avoidable sources of underperformance.
Adding Assets & Liabilities
time.money uses the RBI-regulated Account Aggregator framework to pull your linked bank and investments (Mutual Funds and Stocks), into a single net worth dashboard, with your explicit consent.
time.money auto-fetches your loan and credit card data directly from a Credit Bureau with your consent, pulling active and closed loans, outstanding balances, repayment status and credit score directly into your dashboard. No manual entry needed.
This gives you one-click net worth tracking backed by SEBI-registered advisory, instead of scattered spreadsheets.
You can add any asset manually from your dashboard, entering its current value and category alongside your auto-fetched accounts. This gives you one complete net worth picture even for assets that fall outside current Account Aggregator coverage.
Manual loans and liabilities can be added the same way as manual assets: enter the type and outstanding amount directly from your dashboard. This keeps your net worth calculation accurate even for loans not yet tracked through Credit Bureau data.
Yes, your dashboard combines auto-fetched and manually added assets and liabilities into a single, unified net worth view.
time.money relies on the Account Aggregator framework, which is still expanding its coverage across financial institutions in India.
Retirement Readiness
The Retirement Readiness gauges how prepared you are for retirement based on your current savings, expected expenses, and investment horizon. It gives you a clear readiness picture instead of a vague sense of 'saving enough to retire.'
The estimator factors in your current assets, ongoing contributions, expected retirement age, and lifestyle expectations to project whether you're on track. It's designed to reflect real-world Indian retirement planning, not generic assumptions.
time.money maps your expected retirement spending across defined lifestyle tiers, from essential to more aspirational, based on the inputs and preferences you provide. This shapes how much you'll actually need, rather than a one-size-fits-all number.
Yes, the same Retirement Readiness framework applies whether your target retirement age is the traditional one or much earlier, since it's built around your own inputs and horizon rather than a fixed assumption.
Protection Goals
Protection Goals cover the essentials that safeguard your financial plan before wealth-building even begins: Emergency Savings, Life Cover, and Health Insurance. time.money treats these as the non-negotiable foundation of any sound financial plan.
Without adequate protection, a single medical emergency or income disruption can derail years of disciplined investing. time.money gates deeper goal planning behind these basics so your long-term plan isn't built on an unstable foundation.
time.money compares your existing emergency savings, life cover, and health insurance against what your financial situation actually requires, based on your income, dependents, and expenses. The difference is your protection gap: the amount of additional cover you may need.
Conversational AI
Conversational AI is a chat-based tool on time.money that helps you quickly find information, starting with loans, protection goals and retirement readiness, with more areas rolling out over time. It runs on structured logic and rules to surface relevant information from your own financial data, in plain conversational language.
No. The AI does not provide investment or loan advice; it works on logic and pre-defined rules to help you find information faster. Any advice you receive from time.money comes only through our SEBI-registered advisory process, not from the AI.
Yes, we plan to extend Conversational AI to other areas of time.money beyond loans, protection goals and retirement readiness, as the feature matures.
Yes, the same security and privacy standards that protect the rest of your time.money account apply to Conversational AI. All of your data including data shared with Conversational AI stays in Mumbai, India.
Our AI models and inferencing are all located in Mumbai, India. We do not use any frontier AI models such as Claude, OpenAI APIs directly.
Our models have layers of guardrails to protect your data and your privacy.
Still have questions? Write to us at help@time.money
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