Stop wondering where your salary went. AI plans, protects, and grows your money.
Stipens analyzes your income, spending habits, subscriptions, UPI payments, bills, and goals to create a personalized money plan every month. No spreadsheets. No stress. No surprises.
₹50M+
Expenses Analyzed
50,000+
AI Recommendations
95%
Budget Accuracy
Monthly Salary
₹60,000
AI Salary Allocation
Smart Plan Active ✨
Trusted Financial Intelligence
Built to integrate with modern banking and fintech ecosystems.
Most people don't have an income problem. They have a money visibility problem.
Spending chaos
Unpredictable cash flow
Without Stipens
- 1Salary Credited
- 2Random Spending
- 3Budget Lost
- 4Savings Reduced
- 5Loan Dependency
With Stipens
- 1Salary Credited
- 2Stipens Allocation
- 3Controlled Spending
- 4Automatic Savings
- 5Financial Growth
Everything you need to win with money.
AI Salary Allocation
Automatically splits salary into needs, savings, investments, and lifestyle budgets.
Expense Intelligence
AI categorizes every transaction automatically with high accuracy.
Overspending Prediction
Get alerts before you run out of money — not after.
Cash Flow Forecasting
Know your projected balance before month end.
Goal-Based Saving
Save for travel, gadgets, weddings, vehicles or a home.
Subscription Detection
Identify recurring charges and unused subscriptions.
Built for the way you actually spend.
Stipens
Dashboard
Stipens
Expense Breakdown
Stipens
AI Insights
Stipens
Goal Tracking
Stipens
Salary Allocation
From confused to in control — in five steps.
Step 1
Connect Bank Account Securely
Bank-grade encryption and consent-based linking via Account Aggregator.
Step 2
AI Analyzes Last 90 Days
Every transaction is categorized and learned from automatically.
Step 3
Salary Arrives
Detected instantly the moment it hits your account.
Step 4
AI Creates Smart Budget
A personalized financial plan generated for the month ahead.
Step 5
Track & Save
Real-time insights, alerts, and nudges to keep you on track.
Meet your financial co-pilot.
A personal CFO living in your phone — quietly watching your money and telling you exactly what to do next.
You spent ₹2,500 less on food this month.
Your emergency fund is growing faster than 78% of users.
At your current pace, you'll save ₹1.2 lakh this year.
Avoid a personal loan by reducing discretionary spend by 8%.
Subscription review: ₹890/month on unused services.
Best month to invest: balance projected at ₹14,200.
Your data belongs to you.
Stipens never sells user data. All access is consent-based and encrypted. We're built for India's regulatory future — Account Aggregator, DPDP, and beyond.
256-bit Encryption
Military-grade encryption end-to-end.
Consent-Based Access
You approve every data request, always.
Account Aggregator Ready
RBI-regulated AA framework integration.
Secure Cloud Infrastructure
ISO-certified data centers.
Privacy First
We never sell or share your data.
Financial Data Protection
Compliant with India's DPDP Act.
Enterprise Dashboard
Active Users · 2.4M
Retention
+18%
Engagement
+34%
Wellness
8.2/10
Built for banks, fintechs & enterprises.
Offer Stipens's intelligence layer inside your existing banking apps — and turn passive accounts into active financial relationships.
- AI Spending Insights
- Smart Salary Allocation
- Financial Wellness Engine
- Savings Recommendation Engine
- Predictive Analytics
- Enterprise Dashboard
Real money. Real results.
"Stipens helped me save more in three months than I managed in the previous year."
Rahul Sharma
Software Engineer
"I finally know exactly where my salary goes — and where it should be going."
Priya Verma
Marketing Manager
"The salary allocation feature is genuinely life-changing. It's like having a CFO in my pocket."
Amit Gupta
Product Manager
Simple plans. Compounding returns.
Premium
$9/month
- AI Forecasting
- Salary Allocation
- Goal Tracking
- Smart Alerts
Questions, answered.
Your salary deserves better decisions.
Join thousands of users building healthier financial habits with AI.