Simple, transparent financial management for all
We simplify money matters by removing complexity, automating routines, and offering clear insights-empowering smarter decisions and lasting growth.
Our Vision
We believe financial freedom should be accessible to everyone, everywhere. Our vision is to become a global leader in financial technology, helping millions of people make smarter financial decisions, avoid costly mistakes, and build a secure future.
From students taking control of their first budget to businesses optimizing their growth, we aim to create tools that simplify money management, foster financial confidence, and empower communities worldwide to thrive in the digital economy.
Without financial tools
2.5 billion+
Don’t track expenses
65% of adults
Users are going digital
50 million+
Our values
Our values guide everything we do, from how we create our product to how we operate as a team
Innovation First
We integrate technology and innovation to simplify and enhance financial management, making it more accessible
Trust & Transparency
Finance should be transparent and straightforward. That’s why we emphasize data security, integrity, and openness in every aspect of our work
Data-Driven Decisions
We rely on evidence, not assumption. Data drives our progress and enables our users to make more informed financial choices
Empower Growth
We are committed to helping individuals and businesses grow financially by giving them the tools to manage money with confidence
User-Centered Design
Every feature starts with our users. We listen, learn, and adapt to make financial management seamless
Simplicity Matters
Finance can be complex, but we make it intuitive. From receipt scanning to card monitoring, everything is designed to be effortless
Our History
Karmon AI’s inception was born from the everyday struggles of university life. Money often seemed to vanish too quickly. One frequent scenario involved a friend covering the bill at a café or splitting the cost of a taxi, only to feel awkward about asking for repayment later. These small, yet persistent financial tensions inspired us to develop something straightforward, intelligent, and fair — a tool to eliminate awkward conversations and bring clarity to everyday finances.
What began as a personal solution rapidly gained favor among our friends. They appreciated how Karmon AI effortlessly managed shared bills, expenses, and minor debts. Soon, we realized that these challenges weren’t confined to students; families, colleagues, and small businesses faced the same dilemmas. This realization propelled Karmon AI into a product for everyone, addressing the needs of a broader audience.
Our Team
Our Advisors
We are proud to be adviced by the following people.
