Question 1

Is ARTHA free to use?

Accepted Answer

Yes. All core features — expense tracking, budgeting, calculators and lessons — are free. A few advanced tools may be offered as optional premium in future, but the essentials stay free.

Question 2

Is my financial data safe?

Accepted Answer

Absolutely. Your financial data is stored locally on your device, not on our servers. We don't sell your data, and we never will.

Question 3

Do I need to create an account?

Accepted Answer

You can use the calculators and tools without signing up. The app uses a simple mobile number and an optional 4-digit passcode to keep your data private on your device.

Question 4

Does ARTHA give investment advice?

Accepted Answer

No. ARTHA provides educational and informational content only. We are not a SEBI-registered advisor and do not recommend specific stocks, funds or guaranteed returns.

Question 5

What can the AI assistant do?

Accepted Answer

The AI assistant answers general, educational questions about budgeting, SIPs, tax basics, schemes and more — in simple Hinglish. It won't recommend specific products or promise returns.

Question 6

Which calculators are available?

Accepted Answer

EMI, SIP, FD, RD, PPF, GST, income tax, budget, net worth and more — 16+ free calculators, with no sign-up required.

Question 7

How do I report a bug or suggest a feature?

Accepted Answer

Head to our Contact page and send us a message. For app bugs, please include your device model so we can fix it faster.

Question 8

Is the app available on iOS?

Accepted Answer

We're launching on Android first. iOS and an enhanced web app are on the roadmap.

Frequently asked questions