Features
Everything you need to understand your money — powered by AI that actually guides you.
Early Access — Open Now
It doesn't just track.
It guides.
Other apps show you data. Arthik.money tells you what to do with it.
Heads Up This Month
Spots patterns in your spending and flags what matters before you ask.
Guidance Nudge
Actionable tips based on your actual patterns — not generic advice.
Your Money Pulse
Net balance, income vs expense, and where you stand — at a glance.
Transaction History
Every transaction auto-categorised and searchable in one place.
Upcoming Bills
Never miss a bill — get reminded before due dates hit.
Ask Your Money
Chat with your finances. Ask anything, get real honest answers.
Heads up this month
Shopping is eating 69% of your budget
₹3.7L on Shopping — mostly Jewellery and Books. Want to slow down, or is this intentional? You decide.
Transfers are creeping up
₹1.1L on transfers and ATM withdrawals. Small changes here could free up ₹8K–10K next month.
Guidance Nudge
Food delivery hit ₹24,870 this month.
Skip one Blinkit order a week → save ₹1,200/month. Want me to set a reminder?
Your Money Pulse
Net Balance
₹ 60,000
Guidance: You're in a good spot. Safe to make that purchase you were thinking about.
Income
₹ 1,00,000
Expense
₹ 40,000
Transaction History
January 20263 Transactions
Upcoming Bills
Prime Subscription
Due on : 16th February, 2026
Ask Your Money
Hey Yogesh
What's on your mind?
Ask anything. Get real guidance, not just numbers.
Guidance you can trust.
Completely.
We read only your transactional SMS — nothing else. Your data stays encrypted, on our servers, in India.
Fully Encrypted
Every conversation, every piece of guidance — encrypted end to end. Your financial life stays private, even from us.
No Third-Party Access
Your data never leaves our in-house systems. We don't share, sell, or send your information to anyone. The guidance stays between you and Arthik.
No Bank Login Needed
We read only transactional SMS — bank alerts, UPI confirmations, payment receipts. Our algorithm cannot read OTPs, personal messages, or sensitive data. No passwords, no credentials. Ever.
Tested Regularly
We run regular security audits and stress-test our systems continuously. Your trust is earned, not assumed.
Smart Fraud Alerts
If something unusual shows up in your transactions, we flag it immediately. Think of it as a watchful buddy keeping an eye out for you.
Built for India
Data stored securely in India. Built to understand UPI, Indian banks, and how money really moves here. Your country, your rules.
SMS Data Security
Financial SMS Only
Only financial SMS from recognized bank senders are processed — personal messages are never accessed.
Raw SMS Discarded
Raw SMS text is discarded immediately after transaction details are extracted.
AES-256 Encryption
All extracted data is encrypted with AES-256 at rest and in transit.
Zero Third-Party Access
Your SMS data is never shared with or accessed by any third party — processed entirely in-house.