Take control of
your money.
Track expenses, plan budgets, calculate EMIs & SIPs, learn finance and explore the best cards & loans — all in one beautifully simple app.
Everything your money needs
One app for tracking, planning, learning and growing — no spreadsheets, no confusion.
Track Everything
Expenses, income, accounts, loans, recurring bills & subscriptions — your net worth, always live.
Plan & Budget
50/30/20 budgeting, emergency fund and 3-year wealth plans made simple.
19 Calculators
EMI, SIP, FD, RD, PPF, GST, income tax and more — all free, all accurate.
Calendar View
See income and expenses day-by-day — spot spending patterns at a glance.
Smart Insights
Auto alerts on overspending, savings rate and goal progress — like a coach in your pocket.
Debts & Udhaar
Track who owes you and what you owe — settle up with a single tap.
AI & Tax Help
Ask about ITR, GST, SIPs or budgeting — educational answers in plain Hinglish.
Govt Schemes
PPF, SSY, NPS, PMAY and more — eligibility, benefits and how to apply.
Daily Saving
The ₹1→₹365 challenge turns small habits into a ₹66,795 yearly fund.
Free finance calculators
No sign-up. Instant results. Works on any device.
Money lessons in simple language
From budgeting to SIPs, credit scores to tax saving — bite-sized, step-by-step lessons made for beginners. No jargon, just clarity.
Start learning →Find the right financial product
Compare top credit cards, loans, demat accounts and insurance — pick what fits you.
Some links may be affiliate links. ARTHA provides educational information only and does not provide investment, tax or financial advice.
Your money, finally organised.
Download ARTHA and start tracking, planning and growing — free, private and made for India.
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