Every account. Every rupee. One place.

Savings, credit cards, wallets, demat, pension and loans — tracked in one ledger that lives on your phone.

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

From today's coffee to next year's net worth.

Six areas, each built out properly rather than bolted on.

Expense Tracking
Log it yourself, or let Arth read the bank SMS and fill the entry in for you.
Budget Management
Category-level budgets, a spending split, and a month-end summary that shows exactly where it went.
All Account Types
Each type behaves correctly: cards on a utilisation cycle, loans on an amortisation schedule, pension on contributions.
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.
How it works

One message. Everything updates.

Scroll to follow a single bank SMS all the way through.

STEP 01

Your bank sends a message.

The same SMS you already ignore a dozen times a week. You don't open the app, and you don't type anything.

STEP 02

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.

STEP 03

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.

STEP 04

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.

Automation

Teach it once. It never asks again.

Each of these takes about a minute to configure. After that they run on their own.

STEP 01

Teach it a format it has never seen.

Paste one message from your bank and tag the amount, the account and the merchant. No regex, no coding. It reads that format from then on.

STEP 02

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.

STEP 03

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.

STEP 04

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.

Arth AI
Ask about your money in plain English. A Llama 3.2 model ships inside the app, so it answers in flight mode.
Merchant aliases
"PAY*SWIGGY FOODBANGALORE" becomes Swiggy, once, everywhere — including in past records.
Statement reconciliation
Import the bank's PDF and Arth matches it line by line against what it recorded, flagging anything missing or extra.
Beyond tracking

Then it starts telling you things.

Capture is the boring half. This is the half that changes what you do.

STEP 01

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.

STEP 02

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.

STEP 03

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.

STEP 04

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.

Privacy first

Zero cloud. Zero tracking. Zero compromise.

A SQLite database that lives only on your device, protected by Android's OS-level security.

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 inbox and recognises transactions from 25+ Indian banks, the moment the message arrives.

✓SBI, HDFC, ICICI, Axis, Kotak and 20+ more
✓Debits, credits, transfers and card spends
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.

Holdings, positions and funds, synced straight from your broker.

Zerodha Kite
Equity holdings, mutual funds, SIPs, open positions, and order book. OAuth-based, same daily re-auth as the Kite app.
Equity · MF
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, and it works the moment you open it.

Download Arth for Android
iOS not supported yet. We're looking for partnerships to take this forward.