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India's first AI-powered finance app in 10+ languages. Track expenses via SMS & voice, join Wealth Circles to save together & grow together.
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Why Indians Struggle with Money Management
Traditional finance apps weren't built for India
Complicated English-only apps
Most finance apps are in English, making it hard for millions of Indians to use them confidently.
Takes too much time
Manually entering every expense is tedious and time-consuming for busy Indians.
No AI-powered automation
Traditional apps don't use AI to automatically categorize expenses or provide personalized insights.
Meet VIKAM - Your Personal Money Assistant
Powerful features that make money management effortless
बोलो और देखो
Voice Commands
Speak in Hindi, Tamil, Bengali, or 7 other languages - VIKAM understands
SMS से समझ
Smart SMS Parsing
Auto-reads bank SMS, AI categorizes expenses instantly
स्मार्ट बजट
Smart Budgets
Set budgets by category, get alerts at 50%, 75%, 90%
समुदाय बचत
Savings Circles
Digital chit fund - save together with family & friends
निवेश ट्रैकिंग
Investment Tracking
Track SIPs, mutual funds, stocks - see your complete portfolio
AI सलाह
AI Insights
Personalized financial insights powered by Claude AI in your language
And many more features to help you master your finances
Get Started in 3 Simple Steps
From download to insights in less than 2 minutes
Download & Sign Up
Get VIKAM from Play Store or App Store. Sign up in seconds with your phone number.
Allow SMS Reading
Grant permission to read bank SMS. We automatically categorize your transactions.
Start Tracking Automatically
That's it! VIKAM reads your SMS, tracks expenses, and gives you insights automatically.
Why Choose VIKAM?
See how VIKAM stands apart from other finance apps
| Feature | VIKAM Made for India 🇮🇳 | Other Apps Generic Apps |
|---|---|---|
| Indian Languages Support (10+) | ||
| Voice Commands in Regional Languages | ||
| SMS Auto-Tracking | ||
| AI-Powered Smart Budgets | ||
| Community Savings Circles | ||
| Investment Tracking (SIPs, MFs) | ||
| AI Financial Insights (Claude) | ||
| Recurring Transaction Tracking | ||
| Multi-Currency Support | ||
| Free Forever Plan |
VIKAM has 10/10 features
Generic apps have only 2/10 features
Save Together, Grow Together
मिलकर बचाएं, मिलकर बढ़ें - Join India's first AI-powered community wealth platform with premium financial services
More Than Savings - A Complete Wealth Platform
VIKAM Wealth Circles combines the trust of community savings with modern AI financial coaching, premium investments, and transparent pool access.
What You Get
Community Savings
समुदायिक बचत
Join circles of 10-50 people with similar financial goals
AI Financial Coaching
AI वित्तीय कोचिंग
Personalized insights and strategies powered by Claude AI
Premium Investments
प्रीमियम निवेश
Access to exclusive mutual funds and portfolio tracking
Priority Access Pool
प्राथमिकता पूल
Flexible access to community pool with transparent bidding
Flexible Timing
लचीला समय
Weekly, bi-weekly, or monthly contribution schedules
Bank-Grade Security
बैंक-स्तरीय सुरक्षा
RBI-compliant escrow accounts protect every rupee
How Wealth Circles Work
Subscribe
Choose a plan that fits your goals
Join Circle
Get matched with like-minded savers
Contribute
Make regular contributions to the pool
Access Funds
Get priority access when you need it
100% Legal & Compliant
VIKAM Wealth Circles is a subscription-based financial services platform, not a chit fund. All operations are compliant with RBI and SEBI regulations.
अपनी भाषा चुनें
Choose Your Language
10 Indian languages supported. More coming soon!
हिंदी
Hindi
English
English
தமிழ்
Tamil
తెలుగు
Telugu
বাংলা
Bengali
मराठी
Marathi
ગુજરાતી
Gujarati
ಕನ್ನಡ
Kannada
മലയാളം
Malayalam
ਪੰਜਾਬੀ
Punjabi
अपना खर्च जोड़ें
What People Are Saying
Honest feedback from early design previews and beta testing sessions
Beta Tester
Madhya Pradesh
"डिज़ाइन प्रीव्यू देखा - बहुत सरल और साफ़! हिंदी में सब कुछ समझना आसान होगा।"
Saw the design preview - very simple and clean! Everything in Hindi will be easy to understand.
Early Feedback
Rajasthan
"वॉइस फ़ीचर का कॉन्सेप्ट बेहतरीन है। मेरी माँ जैसे लोगों के लिए गेम-चेंजर होगा।"
Voice feature concept is brilliant. Will be a game-changer for people like my mother.
Design Reviewer
Uttar Pradesh
"SMS ऑटो-ट्रैकिंग का आइडिया लाजवाब है। लॉन्च का इंतज़ार है!"
SMS auto-tracking idea is brilliant. Can't wait for launch!
सवाल-जवाब (FAQs)
Everything you need to know about VIKAM
Still have questions?
Choose Your Wealth Journey
From basic tracking to premium wealth circles - find the perfect plan for your financial goals
Free
मुफ्त
Basic expense tracking
- SMS expense tracking
- Basic budgeting
- 2 languages (Hindi + English)
- Community support
- Voice commands
- AI insights
Starter
स्टार्टर
Begin your savings journey
- Everything in Free
- Unlimited voice commands
- All 10 languages
- Wealth Circles (Basic)
- Circle size: 10-20 members
- Basic AI insights
Growth
ग्रोथ
Most popular for families
- Everything in Starter
- Advanced AI coaching (Claude)
- Wealth Circles (Premium)
- Circle size: 15-30 members
- Priority pool access
- Basic investment tracking
Premium
प्रीमियम
For serious wealth builders
- Everything in Growth
- Advanced portfolio tracking
- Premium mutual funds access
- Circle size: 20-40 members
- Flexible exit options
- Tax planning assistance
Why Wealth Circles?
Unlike traditional savings, Wealth Circles combine community trust with AI-powered insights, giving you both social accountability and smart financial guidance.
All Plans Include:
Join the Waitlist
Be among the first to experience India's most intuitive finance app. Get early access and exclusive launch benefits.
What You'll Get as an Early User
Early Access
Be first to try all features
Premium Features
3 months free premium access
Shape the Product
Your feedback matters