# Kosh vs ET Money: Planning App or Investing App? > Kosh vs ET Money: an AI CFO for spending, tax and goals, and a direct mutual fund platform with paid advisory. What each does and when to use both. Source: https://trykosh.com/compare/kosh-vs-et-money Compare - Kosh and ET Money # Kosh vs ET Money: what each one is for ET Money is a mutual fund and advisory platform. Kosh is an AI CFO that reads your statements and plans the rest of your money. Here's an even-handed look at both. Updated 25 October 2026Written by Kosh, so read with that in mind On this page[In short](#in-short)[Side by side](#side-by-side)[Different tools for different jobs](#different-jobs)[What ET Money is built for](#what-et-money-does)[What Kosh is built for](#what-kosh-does)[How each one earns money](#how-they-earn)[Direct plans, and why the label matters](#direct-plans)[Who should use which](#who-should-use-which)[FAQs](#faq) **In short** - ET Money is built for investing: direct mutual funds, a paid advisory service called Genius, NPS, FDs, loans against funds and insurance. - Its operating company is a SEBI-registered investment adviser, so it can give personalised investment advice. Kosh is not, and doesn't. - Kosh is built for spending, leaks, tax under both regimes and goal plans, all from your own bank and card statements. - Kosh can't move money or execute trades; ET Money is where you'd actually invest. - If you want advice on a portfolio, look at ET Money or a fee-only adviser. If you want your everyday money sorted, look at Kosh. ## Side by side Kosh ET Money What it is An AI CFO for your whole financial life A direct mutual fund platform with paid advisory (Genius) How it gets your data Statements you upload (PDF, CSV, photo, CAMS/NSDL CAS). Never asks for bank logins, OTPs or card numbers Investments you make or track in the app, including external mutual funds Tax under both regimes Yes: tax under both regimes from your real salary, rent and investments Offers a Tax Saving Maximizer; check its scope in the app Leaks and next steps Yes: forgotten subscriptions, card interest, delivery creep, idle cash, with one top fix Portfolio health checks and investment alerts Executes trades or payments No. Can't move money, hold money or execute trades Yes: mutual funds, NPS, FDs and more through the app How it makes money Subscriptions only. No commissions from banks, funds or insurers Genius is a paid advisory membership; FDs, loans and insurance are offered with partners Regulator or licence Not a SEBI-registered adviser; an educational planning tool Banayantree Services Limited: SEBI-registered investment adviser (INA100006898) Price Free Starter; Pro INR 2,000 a month or INR 19,999 a year, starting with a free 7-day trial Direct funds without commission; Genius is a paid membership ## Different tools for different jobs ET Money and Kosh both want to make your money easier, but they start from opposite ends. ET Money starts from **investments**: where to put money and how to keep a portfolio on track. Kosh starts from **cash flow**: your salary, rent, EMIs, card bills and tax, and what's left to invest. ## What ET Money is built for ET Money's [website](https://www.etmoney.com/) lists direct mutual funds, Genius (a membership with mutual fund and stock portfolios matched to your risk profile), NPS, fixed deposits, loans against mutual funds, term and health insurance, and a Tax Saving Maximizer. Its footer names Banayantree Services Limited as a non-individual SEBI-registered investment adviser, registration INA100006898. ET Money began at Times Internet. In June 2024, 360 ONE WAM [agreed to acquire it](https://techcrunch.com/2024/06/12/indias-360-one-acquires-mutual-fund-app-et-money-for-44m), and ET Money's site now lists its registered address at 360 ONE's Mumbai office. **Why the licence matters** A SEBI-registered investment adviser can recommend specific funds and portfolios to you, under SEBI's rules on fees and conflicts. Kosh is not registered and never recommends specific securities. If personalised investment advice is what you need, that's a real reason to choose a registered adviser. ## What Kosh is built for Kosh reads your bank, credit card and investment statements, sorts every transaction and maps your income, spending, debt and savings. It then does the jobs that sit around investing: - Works out your income tax under both regimes from your real salary, rent and investments. See [how to save tax on salary](/learn/how-to-save-tax-on-salary). - Finds leaks: forgotten subscriptions, card interest, food-delivery creep and cash idling in a savings account. - Turns goals into monthly SIP amounts, explains fund categories, and reminds you before card due dates, SIPs, renewals and tax deadlines. - Answers questions in chat with your own numbers, such as how much you can invest each month after your EMIs. ## How each one earns money Kosh earns only from subscriptions and takes no commissions from banks, fund houses or insurers. ET Money offers direct plans of mutual funds, which carry no distributor commission, and charges for Genius, its advisory membership. It also offers FDs, loans against mutual funds and insurance alongside partners. Check each product's terms in the app. ## Direct plans, and why the label matters Every mutual fund scheme comes in a **direct** plan and a **regular** plan. The regular plan pays a commission to the distributor who sold it, built into a higher expense ratio. The direct plan has no distributor commission, so its expense ratio is lower. Over 15 or 20 years that gap compounds. Whichever platform you use, check which plan you hold. Kosh reads your CAS and shows each holding, so you can see the plan type at a glance. How funds are taxed matters as much as what they cost. Our [capital gains guide](/learn/capital-gains-tax-on-shares-and-mutual-funds) explains the rules for equity and debt funds. ## Who should use which - **Choose ET Money** if you want to invest in direct mutual funds or NPS from one app, or want paid, personalised portfolio advice from a registered adviser. - **Choose Kosh** if you don't yet know how much you can invest, which tax regime suits you, or why your card bill keeps surprising you. - **Use both** if you invest on ET Money and want Kosh to plan around it. Kosh reads your CAMS or NSDL CAS, so it sees your funds without needing ET Money's login. To plan on your own first, try these free tools: [Free tool**SIP calculator**See what a monthly SIP could grow to. Enter how much you invest each month, an assumed yearly return and how long you'll stay invested.](/tools/sip-calculator)[Free tool**ELSS calculator**Work out what an ELSS investment could save you in tax and grow to. It tracks the 3-year lock-in on every instalment and the tax when you sell.](/tools/elss-calculator)[Free tool**Old vs new regime calculator**Find out which regime leaves you more money this year, and exactly how many more rupees of deductions the old regime would need to catch up.](/tools/old-vs-new-tax-regime-calculator)[Free tool**Mutual fund tax calculator**How a mutual fund redemption is taxed depends on the type of fund, when you bought it and how long you held it. Choose your fund type and Kosh applies the right rule.](/tools/mutual-fund-tax-calculator) ## Free tools to try first [Free tool**SIP calculator**See what a monthly SIP could grow to. Enter how much you invest each month, an assumed yearly return and how long you'll stay invested.](/tools/sip-calculator)[Free tool**ELSS calculator**Work out what an ELSS investment could save you in tax and grow to. It tracks the 3-year lock-in on every instalment and the tax when you sell.](/tools/elss-calculator)[Free tool**Old vs new regime calculator**Find out which regime leaves you more money this year, and exactly how many more rupees of deductions the old regime would need to catch up.](/tools/old-vs-new-tax-regime-calculator)[Free tool**Mutual fund tax calculator**How a mutual fund redemption is taxed depends on the type of fund, when you bought it and how long you held it. Choose your fund type and Kosh applies the right rule.](/tools/mutual-fund-tax-calculator) ## Frequently asked questions Is Kosh an alternative to ET Money? For some jobs. ET Money is where you invest in mutual funds and can pay for registered investment advice. Kosh plans your spending, tax and goals from your statements and cannot invest for you. Many people use both. Is ET Money a SEBI-registered investment adviser? Its website footer names Banayantree Services Limited as a non-individual SEBI-registered investment adviser, registration INA100006898. You can check any registration on SEBI's website. Who owns ET Money? ET Money started at Times Internet. 360 ONE WAM announced in June 2024 that it would acquire ET Money, and ET Money's website now lists its registered address at 360 ONE's Mumbai office. Does Kosh give investment advice like ET Money Genius? No. Kosh is not a SEBI-registered investment adviser. It explains categories such as index funds and PPF and works out monthly amounts for your goals, but it never recommends specific funds or stocks. Can Kosh see the mutual funds I hold on ET Money? Yes, if you upload your CAMS or NSDL consolidated account statement. Kosh reads the statement directly and never asks for your ET Money login. ## Sources - [ET Money: home page and footer disclosures](https://www.etmoney.com/) - [TechCrunch: 360 ONE acquires ET Money (June 2024)](https://techcrunch.com/2024/06/12/indias-360-one-acquires-mutual-fund-app-et-money-for-44m) - [SEBI: registered intermediaries](https://www.sebi.gov.in/) Descriptions of other products come from their public websites as of 25 October 2026 and may have changed since. Kosh is our product. Product names belong to their owners. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting. ## See what Kosh finds in your statements. Upload one bank or card statement. Kosh maps your money, works out your tax under both regimes and shows the one thing to fix first. It never asks for bank logins and can't move money. [Start free](/signup?via=compare-kosh-vs-et-money)