Features

One app for all of it.

Arth started as a replacement for a spreadsheet and kept going. Here's everything it does today, grouped the way you'd use it.

TrackPlanGrowProtectUnderstand
Track

Your bank texts. Arth does the typing.

Every debit, credit and card spend is picked up from the SMS your bank already sends, then waits for your nod before it counts.

Reads bank SMS, 25+ banks
SBI, HDFC, ICICI, Axis, Kotak and 20 more, plus wallets, EPFO and insurance messages. Checked in the background about every 30 minutes.
Catch Up
New transactions one card at a time. Swipe right to approve, left to skip, with a suggested category and Undo. Split with someone right on the card.
Approve from the notification
Approve or reject without opening the app. With the app lock on, notifications hide the amount.
Teach it a new format
Smart SMS Templates learn a message Arth has never seen from one example. Smart Rules categorise by merchant, amount or account, forever.
Voice and manual entry
Say "420 on petrol" for the cash spends no SMS will catch. One form for spent, received and transfer.
Hisaab, the family ledger
Money lent to or borrowed from family and friends, with running balances, settlements and a PDF to send them.
Statement reconciliation
Import a bank or card statement PDF and see, line by line, what matches, what's missing and what's extra.
Home-screen widget
What you've spent this month and how many transactions are waiting in Catch Up, without opening the app.
Plan

Know where the month lands before it does.

Budgets that follow your real pattern, a projection that ignores transfers and EMIs, and a yearly plan to hold it all to.

Budgets and spending split
Category budgets with rolling surplus, a spending split ring, and a month-end summary that shows exactly where it went.
Month-end projection
Fixed bills it has learnt, plus your usual pace on everything else. Transfers, loan payments and investments never inflate it.
Yearly plan
Income, savings target and where the rest goes, for the Indian financial year (April to March) or your own.
Investment buckets and milestones
Name the goal, set the amount, link the SIPs and FDs that feed it. See whether the wedding or the car is on track.
Cash-flow simulator
Try a decision first: a big purchase, a loan, money to collect. See each account's balance day by day before it happens.
Bills and reminders
Recurring bills found from your history, card due dates, and the option to put them on your phone's calendar.
Grow

Everything you own, on one sheet.

Savings, FDs, demat, mutual funds, crypto, pension. Synced where it can be, tracked where it can't, and totalled in one net worth.

Broker sync
Zerodha Kite, Angel One and ZebPay: holdings, mutual funds, SIPs, positions and orders, fetched directly from your phone with your own API key.
Fixed deposits and long-term savings
FDs with maturity and interest worked out, plus PPF, NPS, EPF, gold and bonds. FD openings and closures are recognised from SMS.
Net worth over time NEW
Month by month, with the change split into money saved, market gains and loans paid down. Tap any month to see what it was made of.
Balance sheet
Assets and liabilities as of today or any year-end, side by side, including what friends owe you.
Market chart
Your portfolio by account, from 5 days to 10 years. Drag across it to read any date.
Capital gains
Realised gains from withdrawals, including crypto, with the tax treatment noted.
Protect

The serious stuff, handled properly.

Loans, insurance, tax and the logins to all of it. The parts of money people put off, made specific.

Loan engine
Full amortisation for home, car and personal loans. Prepay and choose reduce-EMI or reduce-tenure to see the exact interest saved.
Insurance and risk coverage
Your policies against what your income and loans say you need. Gaps are flagged in plain words.
Income tax calculator
Salary, business or freelance income under both regimes, with the new EPF rules, TDS and advance tax dates.
Password Vault
Net banking logins, card statement passwords, broker TOTP codes. Encrypted on the phone, linked to the accounts they open.
Encrypted backups
One file holds everything, locked with your password. Schedule it, keep it anywhere, restore it onto a new phone.
App lock and recycle bin
Fingerprint or face lock with a timeout of your choice. Anything deleted can be restored for 30 days.
Understand

Then it starts telling you things.

Arth notices patterns before you do, explains them in plain language, and sums up your year when it's over.

Insights and patterns
What changed this month, where you're over, which merchants crept up, and the day of the week you spend most.
Reports
Financial health with a grade, retirement readiness, the best order to pay off loans, and your spending personality. Each one exports to PDF.
Year in Review NEW
Your financial year as a story: spending, savings rate, net worth, favourite places. Share it as an image with the amounts hidden.
Ask your AI assistant
Export a clean copy of your finances for Claude, ChatGPT or Gemini. Paste the reply back and Arth lists what it suggests; nothing changes until you tap Apply.
Compare and drill in
Any two periods side by side, year-on-year for six categories, and every number taps through to the transactions behind it.
Help built in
Short articles for every screen, searchable, and suggested where you are.

Try it on your own money.

Free, Android, early access on Google Play. Nothing to sign up for.

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