Android · Free · No sign-up

Finance that never leaves your phone.

Arth tracks every rupee: expenses, accounts, budgets, investments, and loans. All stored entirely on your device. No server. No account. No one else sees your numbers.

Download for Android (Free) View on GitHub
Zero data collection
No account required
Works fully offline
25+ Indian banks SMS
Encrypted local backup
What Arth does

Everything in one place, nowhere else.

Most finance apps want your data. Arth keeps it where it belongs: on your device, under your control.

Expense Tracking
Log manually or let Arth read your bank SMS and auto-create entries. Review and approve each one before it lands.
Budget Management
Category-level budgets with monthly tracking, pie charts, and a monthly summary. See exactly where money goes.
All Account Types
Savings, credit cards, wallets, demat, PPF/EPF/NPS pension, and loans. One unified ledger with opening balances.
Goals & Net Worth
Investment buckets, life milestones, balance sheet, and year-on-year comparisons for Indian FY (Apr-Mar).
Loan Engine
Full amortisation with prepayment. Choose reduce-tenure or reduce-EMI and see the exact impact instantly.
Family Ledger (Hisaab)
Track money lent or borrowed from family and friends. Running balances, settlements, full history.
Power features

The details that make it yours.

Features built for people who want their finance tool to work exactly the way they think.

Smart
Smart SMS Templates
Your bank sends SMS in a format Arth doesn't recognise? Teach it. Build a template by tagging the amount, account, and merchant in a sample message. No coding required. Arth compiles it to a regex, normalises both the template and incoming SMS the same way, and starts detecting that format instantly. Includes a live test and diagnose mode to see exactly why a message matched or didn't.
Visual builder Live test Any bank Any format
Smart
Smart Rules
Stop re-categorising the same merchants every month. Set a rule like "merchant contains Swiggy = Food and Dining" once, and Arth applies it automatically to every new expense that matches. Rules stack in priority order, support substring and exact matching, and can set category, notes, or tags all at once.
Auto-categorise Priority rules Any merchant
Simulator
Cash Flow Simulator
Project your bank balance weeks or months forward before a big decision. Model a salary hike, a new EMI, an early loan prepayment, or a one-time expense, and see how your cash position holds up. What-if scenarios run entirely on your device, instantly.
What-if scenarios EMI modelling Salary changes
On-device AI
AI Financial Assistant
Ask natural language questions about your finances: "how much did I spend on food last month?", "what's my savings rate this year?", "show me my biggest expenses". Powered by an on-device language model (no cloud, no API calls). Your data never leaves the phone, not even for AI.
On-device model No cloud Natural language
Privacy first

Zero cloud. Zero tracking. Zero compromise.

Arth runs on a SQLite database that lives only on your device, protected by Android's OS-level security. Nothing is ever uploaded, nothing is ever shared.

0
Bytes of your financial data ever sent to any server
0
Third-party analytics, trackers, or crash reporters
100%
Offline. Works without internet, always, by design
Auto-detection

Your bank messages, understood automatically.

Arth reads your SMS inbox and recognises transactions from 25+ Indian banks. Debits, credits, and transfers are parsed on-device and queued for your review. You approve, edit, or reject each entry before it gets recorded.

✓SBI, HDFC, ICICI, Axis, Kotak, and 20+ more
✓Build custom templates for any SMS format
✓Review queue. Nothing gets added without your approval
✓SMS stays on device, never transmitted
HDFCBK
Rs 2,450.00 debited from A/c XX4821. Info: UPI/SWIGGY. Avl Bal Rs 42,180.22
✓ Detected · Food · ₹2,450
SBIINB
Your A/c XXXX1234 credited INR 85,000.00 by NEFT. Available Balance INR 1,27,450.00
✓ Detected · Salary Credit · ₹85,000
AXISBK
INR 12,000 spent on Axis Card XX7823 at AMAZON. Avl Limit: INR 88,000
✓ Detected · Shopping · ₹12,000
Broker integrations

Your investments, in context.

Sync holdings, positions, and funds from your brokerage. Data flows directly from your device to your broker. No server, no cloud credentials.

Zerodha Kite
Equity holdings, mutual funds, SIPs, open positions, and order book. OAuth-based, same daily re-auth as the Kite app.
Equity · MF · Demat
Angel One SmartAPI
Holdings, positions, order book, and margin data. TOTP auto-generated on-device. No manual 2FA needed.
Equity · Funds · Orders
Zebpay
Crypto portfolio with live INR prices, available cash, and open orders via the Zebpay Build API.
Crypto · Portfolio

Take back control of your finances.

Free. No account. No cloud. Just download and start.

Always points to the latest release on GitHub.
Download Arth for Android
iOS not supported yet. We're looking for partnerships to take this forward.
Get in touch

We'd love to hear from you.

Questions about the app, feature requests, bug reports, or interested in partnering on iOS? Reach out anytime.

iOS Partnership
Interested in bringing Arth to iPhone? We're actively looking for the right partner. Drop us a line.

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