🐚 The operating system for family wealth
Every rupee, mapped to the life
your family is planning.
CowrieOS turns what you own and owe into a living plan — retirement, education, the house — tells you exactly what to do next, and makes sure your family could pick it all up without you. No commissions. No products to push. You are the customer, not the product.
- Equity₹67.0 L · 49%
- Debt₹38.0 L · 28%
- Real Estate₹25.0 L · 18%
- Gold₹6.0 L · 4%
Illustrative figures — these are the actual product components, not mockups.
Built on the conventions Indian fee-only planners actually use: 30–33x retirement corpus, education inflation at 10–12%, equity only for 7+ year goals, ±5% rebalancing bands, folio-per-goal FIFO hygiene, term cover at 10–15x income.
See where the money lives. Get told what to fix.
Every holding sized by value and colored by class — and an advice engine that reads the same picture and speaks like a fee-only planner.
12× household income plus the home loan. Every goal assumes the SIPs keep flowing — term insurance is what makes that true.
100% of this goal's money is in equity with no time to recover from a drawdown. Shift to debt funds, standard glide-path practice.
₹85,000/yr for ₹10L of cover. Endowments typically return 4–6% — compare against term + the same premium as a SIP.
Real rules from the advice engine — folio FIFO, glide paths, cover gaps, policy returns.
The feature your family hopes they never need
If something happened to you tomorrow, could your family find, claim, and keep everything? CowrieOS audits it, scores it, and prints the file that answers it.
- ✓Nominees recorded on every holding
- ✓Term + health insurance in place
- ✓Will registered, location noted
- ✓Who-to-call and first-30-days written
- ○Reviewed in the last 6 months
The living audit — nominees, cover, will, handover context.
- Flexi Cap FundFolio 91XXXX04nominee ✓ Meera · claim steps inside
- EPF · UAN 10XXXXXX88Form 20 / 10Dnominee ✓ Meera · claim steps inside
- HDFC FDA/c XXXX 3412nominee ✓ Meera · claim steps inside
- Term life ₹2 CrPolicy P-88XXX1nominee ✓ Meera · claim steps inside
Read this first: 10 copies of the death certificate. File the term claim first. Keep paying the EMIs on page 2. Call Ramesh (CA) — he knows this plan exists.
The Emergency Handover Pack — print it, file it, tell them it exists.
A full family office, minus the family office
Retirement, education, marriage, the house — each goal costed with its own inflation (education runs 10%, not CPI), funded by earmarked assets, tracked to the rupee.
Rules a fee-only planner would apply — folio-per-goal structure, ±5% rebalancing bands, glide paths, cover gaps — distilled into one clear “your next move,” not a wall of alerts.
Every NAV refresh, a plain-English briefing: what changed, and what it means for each goal given its horizon. The antidote to panic-selling — never a prediction, just the plan’s own answer.
Paste your CAS once — your mutual fund portfolio builds itself and revalues at AMFI NAVs daily. EPF, property, gold and FDs sit alongside.
Ask anything — it reads your live plan and answers with your actual numbers, in plain English, without ever pushing a product.
Term and health cover checked against the 10–15x convention. Endowments, ULIPs and guaranteed plans get asked the question agents won't: what does it really return?
A living nominee audit, a family continuity score, and the printable Emergency Handover Pack — plus a full plan report your spouse can pick up cold.
SIP with step-up, goal costing, loan EMI with prepayment, retirement corpus, SWP, and LTCG tax-harvesting — all on the same engine, so the numbers never contradict your dashboard.
Two minutes to a plan
Life stage, the monthly numbers, risk, goals, insurance.
Where you stand, how to allocate, what to do — in order.
Import your funds, track every goal, get nudged when something drifts.
Built in the open
What shipped, what's next, and what the subscription funds — no surprise pivots into selling you products.
Nominee audit, continuity score, and the printable Emergency Handover Pack.
Tax-aware withdrawals (LTCG modeled), Coast FIRE, one-off life expenses in the projection — one auditable corpus number.
A Settings toggle that unlocks the RNOR window planner, multi-currency net worth, US retirement accounts, Schedule FA export.
Hosted edition: every member signs in and manages their own assets and goals — one family plan, not one person's spreadsheet.
Money, explained without an agenda
Plain-English guides to the decisions that actually move the needle — written by a product that sells you nothing.
How much do you really need to retire in India?
The honest retirement-corpus number for India — why the US 4% rule is unsafe here, why you need 30–33× your annual expenses, and how tax on withdrawals quietly shrinks the pile.
Nomination is not inheritance: the ₹1.84 lakh crore mistake
A nominee is a trustee, not an heir. Why ~85% of Indians having no will leaves families locked out of their own money — and the simple file that fixes it.
Why your LIC endowment policy is a bad investment
Endowments, money-back and ULIPs bundle insurance with investing and do both poorly — typically 4–6% returns with too little cover. The term-plus-SIP alternative, explained.
What’s a cowrie?
Cowrie shells were India’s first money— used as currency for centuries before coins existed, traded in markets from Bengal to Gujarat, counted and kept safely at home by families. Wealth, kept simple and held close to the family. That’s the product: your family’s money, organised, understood, and handed over safely — an operating system for it. CowrieOS.
Fair questions
›Is this investment advice?
No. CowrieOS is planning software — it computes, explains conventions, and flags gaps, but it never recommends specific funds or stocks, and it isn't a SEBI-registered adviser. For personalized advice, see a SEBI-registered investment adviser (the report is built to hand to one).
›Do you sell funds, insurance, or anything else?
No, and we never will. No commissions, no execution, no cross-selling. The subscription is the entire business model — which is exactly why the advice engine can be honest about low-yield property and poor-return policies.
›Where does my financial data live?
In the personal edition, in a local database on your machine — exportable as JSON anytime, deleted when you delete it. The hosted edition ships with a DPDP-compliant policy, encryption, and the same export-everything guarantee.
›What does the AI see?
Questions you ask are sent to Anthropic's Claude API along with your plan summary to generate the answer. Don't want that? Don't use the AI tab — everything else works without it.
›What's free?
The net-worth tracker, every calculator, CAS import with a portfolio X-ray, 2 goals, the top advice findings, and 5 AI questions a month. Pro (₹1,999/yr) removes the limits and adds live NAVs, the full advice engine, reports and the digest.
›The market just dropped — should I sell?
Almost never, and CowrieOS tells you why in your own numbers. After each update it shows a plain-English briefing per goal: a dip on a goal 20 years out is noise with decades to recover, and selling would only lock in the fall — your SIPs simply buy cheaper units. A goal under three years away that slipped is the one to act on, by shifting it toward debt. It never predicts where markets go; it just frames what changed against each goal's horizon — the pre-agreed, calm course of action a plan exists to give you.
›What happens to all this if something happens to me?
That's the Continuity Kit — the part of CowrieOS we hope you never need. It audits nominees across every holding, scores how findable and claimable your money is, and prints an Emergency Handover Pack your family can follow cold: every account, every claim step, every EMI to keep paying, who to call. ₹1.84 lakh crore lies unclaimed in India because families didn't know — yours won't be in it.
›Why 'Cowrie'?
Cowrie shells were India's first money — used for centuries before coins. Wealth, kept simple and held close to the family. That's the product.
Your family’s money deserves
a system — not a spreadsheet and a hope.
CowrieOS is planning software, not a SEBI-registered Investment Adviser, broker, or distributor. Nothing on this page is investment advice or a guarantee of returns; projections are assumption-driven illustrations. Mutual fund investments are subject to market risks — read all scheme-related documents carefully.