Kuma is a personal finance app built in Colombia for people across Latin America who want to manage money with greater clarity. It helps users track finances without connecting a bank account, bringing income, expenses, debts, assets, savings goals, and available cash together in one place. Its AI assistant, Ren, offers personalized guidance based on a user’s financial situation and can record and categorize expenses from voice notes, receipt photos, or manual entries.

Kuma also provides budgeting tools, cash-flow views, debt payoff timelines, and asset monitoring. To help users build lasting habits, the app turns learning and everyday financial actions into short lessons, experience points, levels, and achievements. Its Radar feature brings together investment information, including comparisons of Colombian certificate-of-deposit rates, potential stock opportunities, market analysis, and publicly reported moves by major U.

S. investors. Kuma presents these tools in accessible language, aiming to make financial planning easier to understand and act on.

The service is free to start and also offers learning resources and plan options