Your dashboard shows charts. You wanted an answer. There’s a difference.
Four exchanges, lightly edited. Names changed. Numbers real.
“Can I afford a Goa trip next month?”
Yes. Just not from salary.
Your Kotak has ₹18,400 sitting idle since January. Trip is ₹24,000.
Skip next month’s ₹4,120 Zara order — you’re clear without touching rent.
Arthik · 14:32 · Wed
“Prepay the home loan, or raise my SIP?”
Raise the SIP.
Loan costs 8.6%; your SIP returns 12.4%. After 80C, effective gap is ~5.5%.
Every ₹10K added to the SIP beats prepaying by ~₹550/year.
Unless the loan keeps you up at night — that’s a different question.
Arthik · 21:08 · Sun
“Where did ₹42,380 go on Swiggy this quarter?”
Thursdays and Sundays.
₹18,700 on 3pm office coffee — 43 orders, all between 3 and 5pm.
₹23,680 on weekend dinners, mostly solo.
Want to cut ₹10k/month? Start with the afternoon order.
Arthik · 09:41 · Mon
“How do I hit 80C before 31st March?”
₹88,000 still on the table.
You’ve used ₹62K of the ₹1.5L limit — PF auto-deductions from salary.
Top up your ELSS SIP by ₹88k before March 15. Saves ~₹27,500 in tax.
Don’t buy new insurance for this. Your cousin is lying.
Arthik · 18:17 · Fri
₹28,400 on food delivery. One shows you a bar. The other tells you what to do about it.
You’re ₹8,400 over on dine-out this month. Last two months you spent ₹19–20k; you’re already at ₹28,400 with a week left.
Cook Tuesday and Thursday this week and you’re back to baseline. Or don’t — but now you know.
The old way
This month · by category
₹98,720 spent
Every line moving through your account, parsed and labelled. No manual tagging. No guess-work.
If your money does it, Arthik sees it. If it doesn’t, tell us once — and it will next month.
On dashboards
A dashboard shows data and expects you to do the thinking.
That only works if you’re a CA. You’re not a CA.
The thinking was supposed to be its job.
On ‘AI’ apps
Most “AI finance” apps are ChatGPT with a ₹ symbol glued on.
They don’t read your statement. They don’t know you ate at Khan Chacha twice last week.
We do.
On why we’re here
A family friend who understood finance was always an unfair advantage.
One that depended on who you were born to.
We’re building the one you weren’t born with.
“A dashboard is a map. You asked for a friend to walk you home.”
We wrote down the things we promise and will not break. If we ever do, it is time to stop using us.
AES-256, at rest and in flight. Our own team can’t read your statements.
Your statement never leaves our infrastructure. No third-party APIs touch your raw data.
We don’t sell your data. Not to banks, advertisers, or credit bureaus. Ever.
Ask for deletion — it’s gone in 30 days. Certified. No small print.
Aside · mobile
For now, Arthik lives in your browser. An Android app is in the works — honest, and worth the wait.
¶ The invitation
Free to start. Your statement, your questions, honest answers. Take the first one for a walk.
