For students and first earners
Your personal AI CFO for everyday money.
Log what you spend, set a monthly budget, and build a plan from your income, goals, loans, and investments. Kosh doesn’t just show where the money went — it explains what your choices mean: how eating out delays a laptop goal, how a small monthly investment grows, and what to do first this month.
What is inside: Daily Tracker records every spend and shows budget pace. Plan Builder creates a full money plan and PDF. Learn gives real articles and space for your own writing. Friends helps you send custom money check-in messages to people you trust.
Why it matters
Money lessons feel real when students can practise them.
Daily tracker
Record spending in seconds, then understand the pattern.
Add one expense at a time. Kosh turns those entries into wallet balance, streaks, category charts, projections, and a calendar view.
Daily limitYour monthly budget is divided across the days of this month.
StreakA streak counts only on days where you entered spending and stayed under the daily limit.
Future viewThe chart compares your real wallet path with where it may end if this pace continues.
Recent activity
Cash outflow
Insights Charts, future expectations, and calendar tracker Open
Insights
Understand your spending
Spending habits
See which categories are taking the most cash.
Expense pie chart
Compare the share of each category in your outflow.
Future expectations
Project how your current budget pace affects savings.
Calendar cash tracker
Days with spending are highlighted, so patterns become easier to spot.
Daily quiz
Five quick money questions every day.
Complete all 5 daily questions to keep your learning streak active. If you miss a day, the streak resets and you start again.
Question 1 of 5
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Finance awareness
Read real articles, then write your own notes.
Open trusted learning pages about investing, credit, scams, and Indian markets. Keep this page simple: read one useful idea, then save your own blog or article draft.
Your writing
Upload or write a blog
Money School
Two short courses. Read one lesson a day.
Kosh teaches how markets work. Nothing here is a recommendation to buy or sell anything, and Kosh is not a SEBI-registered adviser or broker.
Lesson 0 of 8 complete
Your saved writing
Your notes and blogs
Real articles and guides
Recommended reading
Friends
Learn finance with your circle.
Add friends by username, accept requests, compare quiz scores and financial-literacy levels, join challenges together, send encouragement, and celebrate badges without making the page crowded.
“I created KOSH with a simple belief: financial literacy should start before your first salary.”
I’m Priyansh Megotia, the founder of KOSH, an interactive financial-literacy platform designed to help teenagers understand money through practical experience.
I wanted to create something that goes beyond simply teaching financial concepts. KOSH brings together expense tracking, budgeting, financial education, market news, investment simulation, and data-driven insights in one platform.
Through KOSH, I’m exploring how technology and interactive learning can make financial education more accessible, practical, and engaging for young people.
My goal with KOSH is simple: To help the next generation make smarter financial decisions before they have to learn from expensive mistakes.
Kosh account
Welcome back.
Log in to open your tracker, today’s quiz, your plan, and your friends’ progress.
- Track every rupee, dailyLog spends in seconds and see your budget pace, streak, and month-end projection.
- Keep a learning streakFive quick money questions a day. Your streak, level, and badges live on your profile.
- Learn with friendsYour username is how friends find you, compare progress, and join challenges together.
Privacy policy
Your data stays simple and understandable.
What Kosh stores
Kosh stores account details, expenses, quiz progress, friend activity, lesson progress, and article drafts so your learning continues when you return.
How it is used
Your data is used to show budgets, streaks, plans, badges, friend progress, and saved learning activity inside Kosh.
Your control
You can clear tracker entries, log out from your profile, and contact support for account or data questions.
Kosh keeps personal finance learning data private to your account and uses it only to power the features shown in the app.
Terms of service
Use Kosh as a learning tool, not financial advice.
Education first
Kosh is designed for financial literacy, budgeting practice, and planning awareness. It does not replace a certified financial advisor.
User responsibility
Users should enter honest data, protect their login details, and understand that projections are estimates based on the numbers they provide.
Respectful use
Friends, challenges, messages, and reactions should be used for encouragement and learning, not pressure, bullying, or harmful advice.
By using Kosh, you agree to use it for learning and planning, not as a substitute for professional financial advice.
Contact and support
Need help with Kosh?
Email supportsupport@kosh.app
General contacthello@kosh.app
WhatsAppOpen WhatsApp support
InstagramFollow updates
Replace these public contact links with your official Kosh support details before launch if needed.