Your money.
Made clear.
Qwark brings your whole financial life together, tells you how it's really doing, and shows you the one thing worth doing next. No noise. No FOMO.
Move it to a liquid fund and earn ~₹14k a year.
How Qwark works
A decision layer over your money — not another dashboard to manage.
Aggregate
Connect your banks, mutual funds, FDs and insurance once. Qwark reads them — read-only, always.
Diagnose
A clear picture of your financial health, in plain language. No jargon, no scary charts.
Act
One next best action at a time, with the reasoning shown. You decide; we never move your money.
Most apps want you to trade more. Qwark is built so you can put your phone down — your money is taken care of, calmly, for you.
Everything about your money, in one place
See all featuresYour whole financial life, in one view
Connect once and Qwark consolidates bank accounts, mutual funds, stocks and demat, ETFs, fixed and recurring deposits, bonds, NPS, insurance and SIPs — each with a faithful breakdown.
A financial health score, in plain language
Qwark scores your finances across pillars like SIP discipline, allocation drift and emergency-fund coverage — so you can see how you're really doing, without jargon.
One next best action at a time
Instead of a wall of charts, Qwark surfaces the single highest-impact step — top up an emergency fund, review a SIP, diversify — with the reasoning shown. You decide.
Trust is the product
More on securityQwark can see your accounts to advise you. It can never move or withdraw your money.
Built on India's Account Aggregator framework. Bank-grade encryption end to end.
Your data is yours. We don't sell it, and we don't run ads against it.
Qwark is live on Android
Download Qwark on Google Play to connect your accounts and see your financial health. iPhone and web versions are on the way — leave your email and we'll let you know the moment they're ready.
- AndroidAvailable now
- iPhoneComing soon
- WebComing soon
Frequently asked questions
What is Qwark?
Qwark is an AI-assisted financial app that consolidates your accounts through India's Account Aggregator framework, scores your financial health, and helps you decide the next step. It is offered by Waterchest Technologies Private Limited, with advice from a SEBI Registered Investment Adviser.
Which platforms can I use Qwark on?
Qwark is available now on Android via Google Play. iPhone and web versions are in development — join the notify list and we'll email you when they're ready.
How does Qwark make money?
Qwark is fee-only. We don't earn commissions, brokerage, or product rebates — our only incentive is your financial wellbeing. Specific pricing will be announced at launch.
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. Qwark can help you understand your existing setup and align your choices with your goals and risk preferences. 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.