# Kosh vs INDmoney: Different Tools, Different Jobs > Kosh vs INDmoney, compared plainly: what each is built for, how each gets your data, how each earns money, and when it makes sense to use both. Source: https://trykosh.com/compare/kosh-vs-indmoney Compare - Kosh and INDmoney # Kosh vs INDmoney: which one do you need? INDmoney is an investing app with a net-worth tracker. Kosh is an AI CFO that reads your statements and plans your spending, tax and goals. They overlap less than the search results suggest, so here's what each one actually does. 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)[Two apps built for different jobs](#different-jobs)[What INDmoney is built for](#what-indmoney-does)[What Kosh is built for](#what-kosh-does)[How each one earns money](#how-they-earn)[Who should use which](#who-should-use-which)[When to use both](#use-both)[FAQs](#faq) **In short** - INDmoney is built for investing: Indian and US stocks, mutual funds, F&O, IPOs and ETFs, with a view of your net worth. - Kosh is built for the rest of your money: spending, leaks, tax under both regimes, goals and reminders, worked out from your own statements. - INDmoney's broking company is a SEBI-registered stock broker and a mutual fund distributor; Kosh can't execute trades or move money at all. - Kosh earns only from subscriptions. INDmoney's own disclaimers describe it as a broker and distributor. - Many people will use both: one to invest, one to plan. ## Side by side Kosh INDmoney What it is An AI CFO for your whole financial life An investing and wealth-tracking app How it gets your data Statements you upload (PDF, CSV, photo, CAMS/NSDL CAS). Never asks for bank logins, OTPs or card numbers Accounts and holdings you link or invest through in the app Tax under both regimes Yes: tax under both regimes from your real salary, rent and investments Not described as a core feature on its home page Leaks and next steps Yes: forgotten subscriptions, card interest, delivery creep, idle cash, with one top fix Focused on investments and net worth rather than everyday spending Executes trades or payments No. Can't move money, hold money or execute trades Yes: Indian and US stocks, mutual funds, F&O, IPOs, ETFs How it makes money Subscriptions only. No commissions from banks, funds or insurers Its disclaimers describe a stock broker and a distributor for mutual funds, SIPs and IPOs Regulator or licence Not a SEBI-registered adviser; an educational planning tool INDstocks Private Limited: SEBI stock broker (INZ000305337) and depository participant Price Free Starter; Pro INR 2,000 a month or INR 19,999 a year, starting with a free 7-day trial Free to download; brokerage and charges per its pricing page ## Two apps built for different jobs People often search for an INDmoney alternative when what they really want is a clearer picture of their money. It helps to separate two jobs. One is **investing**: choosing, buying and tracking stocks and funds. The other is **running your money**: knowing where your salary goes, which tax regime leaves you more, what to fix first and what's due next week. INDmoney is built mainly for the first job. Kosh is built for the second. ## What INDmoney is built for INDmoney's [website](https://www.indmoney.com/) lists Indian stocks, US stocks, mutual funds, F&O, IPOs, commodities, ETFs and NPS, alongside a tracker that shows your investments, family accounts and net worth in one place. Its [disclaimers page](https://www.indmoney.com/page/disclaimers) names INDstocks Private Limited (formerly INDmoney Private Limited) as a SEBI-registered stock broker and depository participant, and says it acts as a distributor for products such as mutual funds, SIPs and IPOs. The same page says it does not provide portfolio management services and is not an investment adviser. If you want to buy a US stock, start a SIP or trade on the exchange from one app, that's what INDmoney is designed to do. ## What Kosh is built for Kosh is an AI CFO. You upload bank, credit card and investment statements (PDF, CSV or a photo, from any Indian bank, plus your CAMS or NSDL CAS) and it sorts every transaction. From that it maps income, spending, debt and savings, finds leaks, and works out your income tax under both regimes from your real salary, rent and investments. Then it keeps going: goal plans with monthly SIP amounts, email reminders before card due dates, SIPs, renewals and tax deadlines, a Sunday digest, and a chat CFO that answers with your own numbers. - **Tax, from real numbers.** Which regime leaves you more this year, and what to do before 31 March. See the [old vs new regime guide](/learn/old-vs-new-tax-regime-fy-2026-27). - **Leaks.** Forgotten subscriptions, card interest, delivery creep and cash sitting idle. - **Planning, not picking.** Kosh explains categories such as index funds, liquid funds and PPF, and works out how much to put away each month. It never recommends a specific fund or stock. ## How each one earns money This matters because it shapes what an app nudges you towards. Kosh earns only from subscriptions: it doesn't sell data or take commissions from banks, fund houses or insurers. INDmoney's own disclosures describe a stock broker and a distributor of mutual funds and IPOs, so it earns from activity on its platform. Neither model is wrong; they're different. A broker is built to help you transact well. A paid planning tool is built to help you decide. ## Who should use which A quick guide If you mainly want to Use Buy US or Indian stocks, F&O or IPOs INDmoney (or another broker) See all your holdings and net worth in one place INDmoney Know where your salary actually goes each month Kosh Pick the right tax regime from your real numbers Kosh Turn goals into monthly SIP amounts and get reminders Kosh ## When to use both Kosh doesn't execute trades, so if you invest through INDmoney you keep doing that. What Kosh adds is the layer above: how much you can sensibly invest after rent, EMIs and an [emergency fund](/learn/how-much-emergency-fund-do-i-need), whether your SIPs line up with your goals, and how your gains will be taxed. Upload your CAS and bank statements to Kosh, and keep using your broker to buy and sell. ### A month with both 1. Your salary lands and your SIPs run on the dates you set with your broker. 2. At month end, you download your bank and card statements and your CAS, and upload them to Kosh. 3. Kosh sorts the month, flags anything that leaked, and checks whether your SIPs still match each goal and your tax plan for the year. 4. If the plan says invest more or less, you change the SIP where you hold it. Kosh reminds you before the next due date. Start with the free calculators if you'd like to do the planning yourself: [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**SIP goal calculator**Work backwards from a goal to the monthly SIP that gets you there. Inflate the goal to future prices and count what you've already saved.](/tools/sip-goal-calculator)[Free tool**Net worth calculator**Your net worth is everything you own minus everything you owe. Fill in the assets and loans Indian households usually hold to see the number, how it is spread and how much of it you could actually use.](/tools/net-worth-calculator)[Free tool**Capital gains tax calculator**Pick the asset, enter the purchase and sale dates and prices, and Kosh tells you whether the gain is short-term or long-term and works out the tax under the FY 2026-27 rules.](/tools/capital-gains-tax-calculator) ## Free tools to try first [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**SIP goal calculator**Work backwards from a goal to the monthly SIP that gets you there. Inflate the goal to future prices and count what you've already saved.](/tools/sip-goal-calculator)[Free tool**Net worth calculator**Your net worth is everything you own minus everything you owe. Fill in the assets and loans Indian households usually hold to see the number, how it is spread and how much of it you could actually use.](/tools/net-worth-calculator)[Free tool**Capital gains tax calculator**Pick the asset, enter the purchase and sale dates and prices, and Kosh tells you whether the gain is short-term or long-term and works out the tax under the FY 2026-27 rules.](/tools/capital-gains-tax-calculator) ## Frequently asked questions Is Kosh an alternative to INDmoney? Only partly. INDmoney is an investing app where you can buy stocks and funds. Kosh is an AI CFO that plans your spending, tax and goals from your statements, and it cannot execute trades. Many people use a broker to invest and Kosh to plan. Can I buy stocks or mutual funds on Kosh? No. Kosh cannot move money, hold money or execute trades. It reads your statements, explains categories such as index funds and liquid funds, and works out how much to invest towards each goal. How does INDmoney make money? Its disclaimers page describes INDstocks Private Limited as a SEBI-registered stock broker and depository participant, and a distributor for mutual funds, SIPs and IPOs. Check its pricing page for current brokerage and charges. Does Kosh recommend specific funds or stocks? No. Kosh is not a SEBI-registered investment adviser. It is an educational planning tool that explains categories and does the maths, but never tells you which specific fund or stock to buy. Can I use Kosh and INDmoney together? Yes. Keep investing where you already do, and upload your bank statements and CAMS or NSDL CAS to Kosh. Kosh then shows how your investments fit with your spending, tax and goals. ## Sources - [INDmoney: home page](https://www.indmoney.com/) - [INDmoney: disclaimers](https://www.indmoney.com/page/disclaimers) - [SEBI: 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-indmoney)