Stop guessing.
Start knowing.
Upload your bank statement. Ask anything — "Can I afford Goa?", "Prepay EMI or raise SIP?", "Where did ₹18,000 go?" — get honest answers in seconds. Not charts. Answers.
Arthik
● Online — thinking with your money
Can I afford a trip to Goa next month?
Yes — with some conditions. Your average post-rent monthly surplus is ₹12,400. A 4-day Goa trip averages ₹18,000–22,000. You're short by ~₹6K, but you have ₹8,200 idle in your savings account since March. Go.
Should I prepay my home loan or increase my SIP?
People who stopped guessing about their money.
“Finally understood where my ₹42,000 was going every month. Arthik found it in minutes — food delivery, mostly Thursday evenings.”
Rohit S.
Software Engineer · Bangalore
“Asked if I could afford a Goa trip. It checked my actual balance, flagged ₹4,120 I was about to waste on a Zara order, and said yes. That's a friend, not an app.”
Priya M.
Product Manager · Mumbai
“The 80C advice alone saved me ₹27,500 in tax. No CA, no advisor. Just Arthik reading my salary slips and doing the math.”
Ankit V.
Marketing Lead · Delhi
Arthik Money is India's AI-powered personal finance guidance platform for salaried professionals. It reads bank statements — parsing salary credits, UPI transfers, EMIs, SIPs, 80C instruments, and subscriptions — and delivers specific, actionable guidance. All data is AES-256 encrypted, stored on Indian servers, and never sold. Free to start at arthik.money.
Real conversations
The questions you've always had.
Finally answered.
Can I afford a trip to Goa next month?
Yes — your post-rent surplus averages ₹12,400/month. Goa runs ₹18–22K. You have ₹8,200 sitting idle since March. Go.
Your questions. Your statement. Your answers.
Ask Arthik about your money →Before & After
Same money.
Better decisions.
Total recovered: ₹23,220 / month
From one bank statement. One conversation.
Why different
A guide, not
a product.
Not a dashboard
Other apps show you charts and expect you to figure it out. Arthik tells you what the chart means for your life.
Not a product seller
We don't get paid to recommend mutual funds, credit cards, or insurance. We have no financial incentive to mislead you.
Not a generic advisor
Every answer is based on your actual transactions. Not averages. Not benchmarks. Your specific ₹ numbers.
Every rupee, parsed and labelled.
No manual tagging. No guesswork. Arthik reads every line moving through your account — automatically.
Salary credits
SAL · NEFT · IMPS
UPI transfers, every app
NPCI · PhonePe · GPay
EMIs & auto-debits
NACH · ECS
SIPs & mutual fund folios
BSE · CAMS · KFintech
80C instruments
ELSS · PPF · LIC
Card transactions
VISA · MC · AMEX
Upload your bank statement (PDF) · No bank login required · SMS parsing available on mobile
Why we exist
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.
Your data, your rules
We take privacy as
seriously as you do.
Uploading a bank statement is an act of trust. Here's exactly how we honour it.
AES-256 Encrypted
Every file, every message, every answer — encrypted at rest and in transit. The same standard used by banks.
Never Sold
Your financial data is never sold, shared, or used to train external models. Full stop.
Delete Anytime
Request full deletion of all your data — statements, chat history, profile — in under 30 seconds.
Indian Servers
Your data stays in India, stored on servers subject to Indian data protection law.
India runs on
Android.
75% of Indians use Android. We're building the app right — not fast. Be first to know when it launches.
Arthik
just now
Your Swiggy spend hit ₹6,800 this month — 72% of your food budget. Want to see where it went?
Ready when you are
Your money has
answers waiting.
Upload your bank statement. Ask your first question. Get an honest answer. Free. No card required.
No credit card · No bank login · Delete anytime · AES-256 encrypted