Everything you own and owe, in one number.

A read-only view of your accounts across India and the United States. KOSHA reads balances. It cannot move money, and it never holds a bank password.

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The number

An em dash, until there is something true to put there.

Most finance apps show you a zero while they load, a rounded figure when they are unsure, and yesterday’s number when a bank stops answering. KOSHA shows none of those.

— — —
Nothing has reported yet

When a source is stale, it says so and tells you when it last spoke. When a foreign holding is converted, it shows the rate and the day that rate belongs to, so you can check the arithmetic yourself. When every source is disconnected, the figure stops claiming to be current.

What you get

One page that reconciles, and one that tells you what it trusts.

Net worth over time
1M6M1Y

The line is drawn from what each account actually reported on each day, converted at that day’s rate — so last month’s figure does not move when today’s rate does.

Sources

Green is current. Amber has not reported lately and says how long. Grey is a source you disconnected — its history stays, because it was true when it was recorded.

How it is built

The parts you would want to ask about.

An aggregator is a request to trust someone with a complete picture of your finances. These are the answers, stated rather than implied.

Read-only, structurally

KOSHA holds no capability to move money. There is no payment code to disable, because there is none to begin with.

No password, anywhere

You sign in with a passkey — your device, your fingerprint or face. There is no password to guess, reuse or phish.

Consent you can withdraw

Disconnecting a source revokes it at the provider and destroys the stored credential. Your history stays; the source stops.

Sessions that can be killed

Sessions live on the server, not in a token that cannot be recalled. Signing out is real, and it reaches every device.

Credentials sealed apart

Provider credentials are encrypted under a key kept separate from the one that signs your session, and that key can be rotated.

It locks itself

Left alone, the screen goes blank — not blurred, not masked. Getting back in takes your passkey again.

Coverage

Two countries, one figure, and honest arithmetic between them.

Balances are reported in the currency the account keeps them in, and converted at the published reference rate for the day each balance was captured — never today’s rate applied backwards.

United States

Banks, cards, loans and investment accounts, connected through Plaid.

Live

India

Bank and investment accounts through the Account Aggregator framework.

Pending entitlement

Off-network

Property, gold, informal lending — anything no provider reports, entered by hand.

Live
Deliberately absent

What KOSHA does not do.

  • —It does not move money. No transfers, no payments, no standing instructions.
  • —It does not sell your data and shows no advertising. There is nobody else in the room.
  • —It does not guess. A balance it could not convert is named, not quietly dropped from the total.
  • —It has no demo mode. You will never see a sample figure presented as yours.
  • —It does not open itself to everyone. Access is granted one account at a time, by hand.
Access

Not open yet.

KOSHA is in private use while it is being finished. There is no sign-up, no waiting list, and nothing on this page collects your details — when that changes, the form returns here.