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.
Inside the app

Built for people who actually check.

A full financial year of budgets, every account in a single ledger, and a review queue that waits for your approval. The detail is always there when you want it.

9:41
‹
Budget vs Actual
This Month
Last 3M
FY 2026-27
Total BudgetSpentUnder by
₹6,30,000₹5,84,300₹45,700
93% of budget
Month by month
Apr
₹92,400
May
₹1,01,200
Jun
₹88,600
Jul
₹1,12,400
Aug
₹94,500
Sep
₹95,200
BudgetActual
By category
Shopping
+₹28,400 over
₹1,48,400 spent₹1,20,000
Food
₹21,600 left
₹2,18,400 spent₹2,40,000
Budget vs Actual
The whole financial year at a glance. Spot the month that broke the pattern.
9:41
‹
Accounts
‹
Sep 2026 ▾
›
Overall summary4 accounts
Opening Balance₹1,42,800
Expenses−₹68,420
Credits+₹96,000
Closing Balance₹1,70,380
HDFC Savings
••4417
Opening₹98,400
Net change+₹21,600
Current₹1,20,000
Axis Credit Card
••2290
Utilised₹18,940
of ₹1,00,000 limit19%
Demat · Equity
Synced today
Invested₹3,24,000
Current value₹3,86,400
Unrealised P&L+₹62,400
One unified ledger
Savings, cards, wallets, demat and loans. Opening balance to closing, every month.
9:41
‹
Review Queue
3 pending
Approved
Rejected
HDFC BankToday
Rs 2,450.00 debited from A/c XX4417. Info: UPI/SWIGGY. Avl Bal Rs 42,180.22
Swiggy
Food · Auto-matched
₹2,450
Approve
Edit
Reject
Axis BankToday
INR 1,299 spent on Axis Card XX2290 at BIGBASKET. Avl Limit: INR 81,060
BigBasket
Groceries · Smart Rule
₹1,299
Approve
Edit
Reject
SBIYesterday
Your A/c XXXX8302 credited INR 96,000.00 by NEFT. Available Balance INR 1,38,180.00
Salary Credit
Income · Auto-matched
+₹96,000
Approve
Edit
Reject
Nothing lands unreviewed
SMS is parsed on-device into a queue. You approve, edit, or reject each one.
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.

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