Know where your money goes. Decide together where it should.
Arth reads the transaction SMS you already get and keeps every account, bill and goal in one place on your phone. Share what you choose with the people you live with.
Your money is spread across your life. Arth puts it back together.
One message. Everything updates.
Scroll to follow a single transaction SMS all the way through.
A transaction SMS arrives.
The same SMS you already ignore a dozen times a week. You don't open the app, and you don't type anything.
Arth works out what it was.
It reads the amount and the account, recognises the merchant, and categorises the spend, then puts the result in a queue, not in your books. A format it hasn't seen? Show it one message and it reads that format from then on.
You approve it. It lands.
One tap and the expense is recorded against the right card, on the right date, in the right category. You can edit it, or reject it outright if it isn't a valid spend.
Everything downstream moves with it.
The category budget, the month's pace, the projected total and your closing balance all recalculate. That's the whole loop — and you typed nothing.
Teach it once. It never asks again.
Each of these takes about a minute to configure. After that they run on their own.
Write one rule. It runs forever.
When a transaction matches, set the category, approve it without asking, and split it with whoever it should be split with. Rules stack in priority order.
For the spends no SMS will catch.
Cash, the autorickshaw, a friend covering lunch. Say it out loud and it is logged with the amount, merchant, category and account already filled in.
Shared money keeps its own books.
Anything split routes into that person's ledger on its own, carrying a running balance you can settle or export whenever you want to.
Then it starts telling you things.
Capture is the boring half. This is the half that changes what you do.
It notices what you don't.
Sunday is your most expensive day of the week, by a factor of two. Nobody works that out by staring at a bank statement.
It tells you where the month lands.
Planned against actual, line by line, with the variance on each one — while there are still days left to do something about it.
It lets you test a decision first.
Model a raise, a new EMI or an early prepayment, and watch the next six months redraw before you commit to any of it.
And the things you'd rather not hear.
No term cover. Savings rate under 30%. Corpus runs dry in 13 years. Blunt, specific, and with the arithmetic shown.
Your money stays yours. What you share, you share together.
Rent on one card, groceries on the other, the holiday from both. Arth keeps one honest picture for the people you live with: no joint account, no shared password, no spreadsheet.
Jane buys groceries on her card.
The transaction SMS arrives and Arth has it ready in Catch Up: amount, shop, category.
She splits it with John, half each.
One tap. Her budget counts her half; John owes her the rest.
It travels locked.
Sealed on Jane's phone, opened only on John's. Arth's relay in between can't read it.
John's phone files his half.
In his budget under Groceries, in his Hisaab with Jane. Nobody typed anything twice.
He settles up. Both phones agree.
All square on both sides, and the Goa trip they're saving for keeps moving.
You paid · shown, not split₹25,000
You paid Jane · UPI₹1,150
Jane paid · your share ₹1,150₹2,300
You paid · John owes ₹1,150₹2,300
What you share is locked on your phone before it leaves. Arth's relay can't read it, and deletes it once everyone has it. How households work →
From today's coffee to next year's net worth.
Loans, investments, insurance, tax and the plan for the year. Five areas, each built out properly rather than bolted on.
- Reads your transaction SMS, any format
- Swipe through new spends in Catch Up
- Reads payment screenshots and receipts
- Hisaab for money lent to family
- Budgets that learn your real pattern
- A month-end projection you can trust
- A yearly plan with a savings target
- Test big decisions in the simulator
- Zerodha, Angel One and ZebPay synced
- FDs, PPF, NPS, EPF, gold and bonds
- Net worth over time
- Balance sheet and capital gains
- Loans with prepayment, to the rupee
- Insurance gaps flagged in plain words
- Income tax under both regimes
- A Password Vault for banking logins
- Insights that flag what changed
- Reports on health, retirement and loans
- Year in Review
- Ask your own AI assistant about it
Private by default. Shared by choice.
Your data lives in a database on your phone, protected by its own encryption. No account, no sign-up, nothing to breach. Share with your household only if you choose: it's locked before it leaves your phone. Read exactly what goes where →
Your transaction SMS, understood automatically.
Arth reads your transaction SMS the moment it arrives: debits, credits, card spends, wallets and more. A format it hasn't seen? Show it one message and it learns it.
Your investments, in context.
Holdings, positions and funds, synced straight from your broker.
Get Arth on your Android phone.
Arth is in early testing before its public launch. It's free, and early testers help shape what comes next. Three ways in:
Early access on Google Play
Installs from the Play Store and updates itself.
- Join the Arth early access group.
- Tap Become a tester.
- Install Arth from Google Play.
Use the same Google account that's signed in to the Play Store on your phone. After step 2, the Install button opens Arth's Play Store page.
Latest test build, through Google Play
The build we're testing right now, before it reaches early access. Uses Play's internal app sharing, which you switch on once:
- On your phone, open the Play Store app, tap your profile picture, then Settings → About.
- Tap Play Store version seven times, until it says you're now a developer.
- Go back to Settings → General and turn on Internal app sharing.
- On the same phone, open the link below and tap Install.
This build is signed differently, so it can't install over Arth from Google Play or the APK. Back up in Arth first, uninstall it, install the test build, then restore. It doesn't update itself; each new test build gets a new link here.
Download the APK
Always the latest release, straight from GitHub.
- Download the APK on your phone.
- Allow installs from your browser when your phone asks.
- Open the file and tap Install.
Arth tells you when a newer version is out. Moving to the Google Play version later? Back up in Arth, uninstall this one, install from Play and restore. All releases