The next-generation wealth manager that works for you, not commissions. It understands your finances, helps you decide what to do next, and makes every investment relevant to you.
What Qwark does
360° view of your finances
- Financial health scoreA financial health score out of 100
- Goal planningSet a goal. See ways to reach it.
- RebalancingRebalance, investment by investment
- One viewYour finances in one view
- SpendingSee where your money goes
- Credit cardsCredit cards
- Verified figuresNumbers checked against your accounts
- Tax estimateCheck the tax impact before you sell
- Prices and insightsLive prices and portfolio insights
- RemindersTimely reminders
How it works
Your money.Your data.Your choice.
- Connect your accounts
- One place for all of it
- Insights you can act on
- Qwark advises. You decide.
Based on numbers, not belief
Qwark doesn’t guess. It calculates what’s right for you.
Plan with precision
Know how much you need, where to invest and how much to invest
Qwark gives me one clear view of my finances. I no longer have to piece everything together across different apps.
Sharan SureshMarketing ConsultantThe app makes financial health feel understandable rather than overwhelming. I can see where I stand and what deserves my attention.
Aashna JainGoogleWhat I like most is the calm experience. It helps me think clearly about my financial decisions.
Sourav DuttaAccenture
The setup was straightforward, and I had a useful picture of my finances in a few minutes.
Nandita KochIndian OilQwark has helped me turn scattered financial information into something I can actually understand and discuss with my family.
Pritish NandaAccenture
Connect in just two steps
All you need is your date of birth and PAN number. It’s that simple!
Trust, built into the structure
Built so your money, your data and your interests stay yours
SEBI Registered Investment Adviser
- Read-only by design
Qwark can see your accounts to advise you. It can never move, withdraw, or transact your money.
- RBI-regulated rails
Built on India's Account Aggregator framework. Your data is shared only with your explicit consent, and encrypted in transit and at rest.
- Never sold
Your data is yours. We don't sell it, and we don't run ads against it.
- Paid only by you
Qwark is a fee-only SEBI Registered Investment Adviser (INA300016871). It earns only the membership fee you pay — no commission, brokerage or distribution rebate anywhere behind the advice.
- You stay in control
You choose which accounts to link, and you can revoke consent at any time through the Account Aggregator.
- AI with reasoning you can review
Qwark uses AI to help generate your guidance, and always shows the reasoning. A SEBI-registered investment adviser is accountable for the advice; you make the final call.
Qwark DYI
Self-managed
- One view of all financials
- Financial health scorecard
- Tax projections
- Invest in Mutual Funds
Qwark Advisory
Guided wealth management
- All features in DYI
- In-depth analysis of financial health
- Next best step towards better financial health
- Estimate goal corpus
- Personalised portfolios
Qwark Advisory MAX
AI insights
- All features in advisory
- Agentic AI that monitors all your money
- Goal-hedged construction for dated goals
Frequently asked questions
What is Qwark?
Qwark is a fee-only SEBI Registered Investment Adviser (INA300016871) for India's mass-affluent, offered by Waterchest Technologies Private Limited. Through the RBI Account Aggregator framework, Qwark reads your accounts across instrument classes with your consent, and its advice recomputes automatically as your holdings change. The only money Qwark earns is the membership fee a member pays.
Which platforms can I use Qwark on?
Qwark is available now on Android via Google Play, on iPhone via the App Store, and on the web at app.qwark.in.
How does Qwark make money?
Qwark earns only the membership fee a member pays, nothing else. As a fee-only SEBI Registered Investment Adviser (INA300016871), we take no commission, no brokerage, and no distribution rebate on anything we advise. That fee is one flat, visible number: the core view of your money is free, and Advisory is ₹5,299 a year (or ₹499 a month), stated openly. See the pricing page for what each includes.
Why does fee-only matter?
Many financial apps and products are free, or nearly free, at the point of use because they earn money elsewhere — through commission, brokerage, distribution rebates, or order flow tied to the products they route you into. In that structure, the provider can be paid more when your money moves a particular way, so the incentive sits behind the product rather than beside you, and the cost is real even though it is never shown to you as a fee. Qwark is built the other way: as a fee-only SEBI Registered Investment Adviser (INA300016871), the only consideration we take is the membership fee a member pays, stated as one flat number in the open — no commission, no brokerage, no distribution rebate anywhere behind the advice.
Can Qwark move or withdraw my money?
No. Qwark is read-only by design. It can see your accounts to advise you through the Account Aggregator framework, but it can never move, withdraw, or transact your money.
Does Qwark use AI?
Yes. Qwark uses AI tools to help generate your guidance, and shows the reasoning behind it. A SEBI Registered Investment Adviser remains responsible for the advice, and you always make the final decision.
Can I use Qwark if I already have investments?
Yes. Through the Account Aggregator framework, Qwark reads your existing holdings across instrument classes — bank, mutual funds, equity/demat, ETFs, FD/RD, bonds, NPS, and insurance — with your consent, so the advice reflects your whole book rather than only what you remember to enter by hand. It does not guarantee any outcome or return.
Is my data secure?
Your data is shared only with your explicit consent through the RBI-regulated Account Aggregator framework, encrypted in transit and at rest, and never sold. The privacy policy explains how information is collected, used, stored, and shared.
Qwark is live on Android, iPhone and the web
Download Qwark on Google Play or the App Store, or sign in on the web at app.qwark.in — same accounts, same clear picture.
