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