Every money question you have. One app that answers.
Arthiva answers it in one tap.
Track expenses, manage every bank account, card and wallet, plan budgets, and keep tabs on money you lent or borrowed. All in one private app, in ₹ lakhs and crores.
- No SMS reading
- No bank passwords
- No ads, ever
Dashboard
Financial Overview
Monthly Income
₹1,45,000
Monthly Expense
₹72,600
DAILY BUDGET ALLOWANCE
₹1,420 / day
For remaining 12 days this month
₹850/day
+₹72,400
Rewards Card is at ₹38,400 of ₹2.5L limit. Due 5th Oct with zero interest penalty.
Got a money question? The answer is yes.
Question 01
Do you want to track your expenses without the hassle?
YesArthiva makes logging a spend faster than unlocking your UPI app. Use a quick form or just type a sentence.
- Expenses, income and transfers in one timeline
- Ready-made Indian categories, or create your own
- Repeat rent, SIPs and subscriptions automatically
- Search any transaction in seconds
Included in Free
Today
✓ ₹1,240 · Groceries · GPay, filled in for you
Groceries
BigBasket · GPay
-₹1,240
Salary
HDFC Savings
+₹85,000
Rent
Recurring · monthly
-₹22,000
Swiggy
ICICI Card
-₹386
Question 02
Do you need to manage multiple accounts?
YesYes, Arthiva supports them all: savings accounts, credit cards, UPI wallets, cash, investments and loans, each with its own live balance.
- Move money between accounts with one transfer
- See available credit on every card
- Liquid money, investments and dues at a glance
- 2 accounts free, up to 200 on Pro
Included in Free · 2 accounts
Accounts
Liquid
₹1,85,550
Invested
₹4,25,000
You owe
₹12,300
HDFC Salary
Savings
₹1,82,400
ICICI Coral
Credit card · ₹87,700 available
₹12,300 due
GPay Wallet
UPI / Wallet
₹3,150
Zerodha
Investment
₹4,25,000
Question 03
Do you want to plan a budget and actually stick to it?
YesSet a budget per category and Arthiva keeps score all month, warning you before you cross the line, not after.
- Daily Safe-to-Spend: what you can spend today
- Alerts when a category nears its budget
- 50/30/20 needs, wants and savings check
- Plan future months and set money aside early
Included in Free
October budget
Safe to spend today
₹1,240
- Food & dining₹6,200 / ₹8,000
- Shopping₹4,700 / ₹5,000
- Travel₹1,800 / ₹6,000
Shopping is at 94% of its budget
Question 04
Lent money to a friend? Borrowed from family?
YesNever lose track of who owes whom. Record it once, log repayments as they come, and Arthiva keeps the running balance.
- Separate “To receive” and “You owe” totals
- Partial repayments and settlements
- Interest, EMIs and due-date reminders on Pro
- Share a clean statement over WhatsApp on Pro
Included in Free · 1 open record
Borrow & lend
To receive
₹15,000
You owe
₹40,000
Ravi owes you
₹15,000
₹5,000 repaid · due 15 Nov
You owe Uncle
₹40,000
EMI ₹5,000 / month · 1% a month
And a few more questions people ask…
Credit card bills sneaking up on you?
Yes. Add the bill day and due day once. Arthiva reminds you before the due date so you never pay a late fee.
Want to group spending your own way?
Yes. Add your own tags to categories, like #Kids, #Work or #Goa trip, then tap a tag to see what it cost this month.
What is your real net worth?
Yes. Everything you own minus everything you owe, across all accounts, updated with every entry.
Wish you could ask “Can I afford this?”
Yes. The AI advisor on Pro reads your own numbers and gives a straight answer, not generic tips.
Same payments every month?
Yes. Set rent, EMIs, SIPs or Netflix as recurring once, and they post themselves on schedule.
Changing phones?
Yes. Sign in with Google and your data is right where you left it. It's stored safely in the cloud, not on one device.
Which of these sound like you?
Tap everything that applies. We'll show you exactly what Arthiva does for you, and whether the free plan is enough.
Your Arthiva
- Yes. Expense & income tracking with category breakdowns and a daily Safe-to-Spend limit
- Yes. Monthly category budgets, overspend alerts and the 50/30/20 health check
Best fit: the Free plan
Everything you picked works on the free plan. Download and start in under a minute.
Hate filling forms? Just type it.
Write a spend the way you'd text a friend. Arthiva picks out the amount, category and payment mode for you. Prefer forms? Those are always one tap away.
Interactive Natural Language Engine
Powered by secure serverless AI · Natural language or structured manual entry
Click any Indian scenario to test AI parsing:
Live Input Prompt:
₹850.00
Exact rupee & paise extraction
Food & Dining
Credit Card
Tracks bank liquidity vs CC debt
#Work
From the tags on your category
Whoever you are, Arthiva fits in.
Still using a notebook or a spreadsheet?
Here is everything Arthiva does for you, in one private app.
| Feature | Arthiva |
|---|---|
| Everyday tracking | |
| Log a spend or income in seconds | |
| AI entry: type “Paid ₹450 for lunch by UPI” and it fills the form | |
| Cash and offline spends, not just bank payments | |
| Refunds that lower your spending, not count as income | |
| Recurring entries that post themselves (rent, EMIs, salary) | |
| Search every transaction by note, amount or category | |
| Accounts & cards | |
| Bank, cash, UPI wallet, card and investment accounts together | |
| Credit cards with limit, utilisation and available credit | |
| Bill date and due date with payment reminders | |
| Card cashback and rewards tracked | |
| Transfers and card bill payments between your accounts | |
| Low-balance alerts for your bank accounts | |
| Net worth and its trend over time | |
| Budgets & categories | |
| Monthly budgets per category with overspend alerts | |
| Copy last month’s budgets in one tap | |
| Ready-made categories, sub-categories and your own | |
| Your own tags (#Kids, #Work) across categories | |
| Needs, wants and savings split of your spending | |
| Money lent & borrowed | |
| Track who owes you and whom you owe | |
| Interest-free or with interest (per month or per year) | |
| One-time repayment or monthly EMI, with reminders | |
| Several loans with the same person, each on its own terms | |
| Agreement notes and witness name kept with the loan | |
| Insights & investments | |
| AI advisor that answers questions about your own money | |
| Investment values and FD/RD maturity reminders | |
| Account statements you can export | |
| Privacy & control | |
| No SMS reading and no bank login needed | |
| No ads | |
| Activity log of every change | |
| Clear your data any time, keeping your profile and plan | |
Start free. Upgrade only if you need to.
No card needed to start. Pro is billed through Google Play, and you can cancel any time from your Play account.
Free
Everything you need to track, budget and stay on top of your money.
- Unlimited expenses, income and transfers
- 2 accounts (bank, card, wallet or cash)
- Monthly budgets, alerts and Safe-to-Spend
- 50/30/20 health check and net worth
- Bill and due-date reminders
- Custom tags on categories
- 1 open borrow / lend record
- 5 AI entries and 10 category suggestions a month
Arthiva Pro
That's about ₹50 a month
For people with several accounts, loans to track, and questions to ask.
- Everything in Free, plus:
- Up to 200 accounts
- Unlimited borrow / lend records
- Interest, EMIs, reminders and shareable statements
- Sub-categories (up to 50 per category)
- 50 AI entries and 100 category suggestions a month
- 20 AI advisor answers a month
Arthiva Pro AI
That's about ₹100 a month
For heavy AI users who want to type everything and ask often.
- Everything in Arthiva Pro, plus:
- 150 AI entries a month
- 300 category suggestions a month
- 100 AI advisor answers a month
Prices in Indian rupees. Google Play shows the final price before you pay. AI allowances reset on the 1st of every month (India time).
Is my money data safe? Yes.
Your financial life is personal. Arthiva is built so it stays that way.
Read the details in our Privacy Policy or see how to delete your account.
We never read your SMS
Arthiva doesn't ask for SMS, contacts or storage permissions. You decide what gets logged.
No bank passwords
No net-banking logins and no card numbers. A nickname, a balance and a due date are all it needs.
Encrypted and private
Your data is encrypted in transit and at rest, and only your signed-in account can read it.
No ads, no data selling
We earn only when you choose Pro. Your spending is never sold or used for ads.
Change history
Edits and deletions are logged with a timestamp, so you always know why a balance changed.
Delete anytime
Delete your account from inside the app and your data is permanently removed.
Still have questions?
Yes. The free plan has no time limit and covers unlimited expense and income tracking, budgets, Safe-to-Spend, bill reminders, custom category tags and 2 accounts. Upgrade to Pro only if you need more accounts, full borrow/lend features or the AI advisor.
No. Arthiva never reads SMS and never asks for bank logins. You add entries with a quick form or by typing a sentence like “450 groceries on GPay”, so cash and offline spends are tracked too.
Yes. Add savings accounts, credit cards, UPI wallets, cash, investments and loans, each with its own balance. Transfers between them keep both sides correct. Free covers 2 accounts; Pro covers up to 200.
Set a monthly budget for any category. Arthiva tracks spending against it all month, alerts you as you get close, and shows a daily Safe-to-Spend amount so you know what's left for today. You can also plan budgets for future months and set money aside in advance.
Yes. Create a borrow or lend record, then log repayments as they happen; Arthiva keeps the outstanding balance and your totals for “To receive” and “You owe”. Free includes 1 open record. Pro adds unlimited records, interest, EMIs, due-date reminders and a statement you can share.
It's the amount you can spend today and still stay within your plan for the month. It updates with every entry, so you notice overspending early, not on the 25th.
Pro is bought inside the app through Google Play. You can switch between monthly and yearly, restore it on a new phone, and cancel any time from your Google Play subscriptions.
Sign in with the same Google account and everything is there. Your data is stored securely in the cloud, not just on one device.