What North is, and how it works

North is an AI-powered personal finance app and financial planning companion for everyday money decisions. You choose which income, assets, debts and goals to share. North helps you understand your financial health, build savings and compare goal funding with your target date. Free guides and calculators are open without an account; no bank connection is required.

People who want to understand their own money without handing over bank access: salaried professionals, freelancers with uneven income, and anyone starting out who wants the mechanism explained rather than a product recommended. The content and examples are written for India.

Expense trackers describe the past and news chases the moment; neither connects to your situation. North holds your own numbers in one place and answers the question that follows: what should I do next?

You add your income, currency, timezone and goals during a short setup. You record what you own and owe in the Money Map by hand. North uses only those figures to build a daily brief, track goal pace and answer questions. Nothing is imported and nothing is inferred from a bank feed.

Ask North is the built-in assistant. It answers money questions using your stored profile, goals and Money Map as context, so replies refer to your actual figures instead of generic averages. Free accounts get 5 questions a day; Premium raises the allowance. It explains and educates — it does not recommend specific products.

A short read on what matters about your money today, generated from your own numbers and what has changed since you last checked. If North does not know something, it says so and shows you where to add it.

You set a target amount and date, then log contributions. North compares the pace your date needs with your actual contributions. When there is enough information for a useful projection, it shows a completion month; when you are behind pace, it shows the monthly amount your date requires instead.

It is used to run the product for you: your brief, goals, Money Map and Ask North answers. Your financial information is never sold and never used for advertising. You can export or delete your data from the Privacy & Data section of your profile.

No. There is no bank linking, account aggregator connection or transaction import. You control the financial figures you provide. The Privacy and Data controls let you export your information or delete your account.

No. North does not sell, rent or share personal financial data with advertisers or data brokers.

No. North is educational. It is not a registered investment adviser, broker, lender or tax professional, and it does not tell you which fund, policy or lender to choose. Projections use the assumptions you enter and are not promises.

A tracker categorises transactions after the fact. North starts from your position and your goals and works forward: what the money has to do next, whether the pace is enough, and what to change if it isn't.

No onboarding call, no product sales, no bank connection and no fee to start. You get the plain-English mechanism, your own numbers and a next step — in the app, in a couple of minutes a day.

Read a daily brief, record assets and debts in the Money Map, set and fund goals with projected dates, ask money questions with your context attached, complete short lessons, and read regional money news with a plain-English note on why it matters.