Money mistakes
They use the wrong credit card
You already had the right card. You just did not use it.
Premium financial decision engine
Your personal money brain.
Arthaa knows your salary, spending, cards, goals, and portfolio, and tells you what to do next.
Before you spend. After salary arrives. When markets move.
Safe to invest
₹0
Reward leakage avoided
₹0
Portfolio impact today
-₹0
Emergency fund delayed
9 days
Use next
ICICI Amazon card
The Problem
People do not need another finance dashboard.
They need something that catches money mistakes before they happen.
Money mistakes
They do not know how much they can safely invest
Bank balance is not investable surplus.
Money mistakes
They overspend without seeing the consequence
Food delivery is up 42%. Your emergency fund slips by 9 days.
Money mistakes
They see market news but do not know if it affects them
RBI decisions affect your holdings only if your money is actually exposed.
Money mistakes
They own many funds but do not know hidden overlap
Same stocks across 4 funds. Diversification was fake.
The Arthaa Promise
Your money changes every day. Arthaa tells you what changed, what it means, and what to do next.
01
What changed
Portfolio down ₹8,200
02
What it means
IT exposure fell across your funds
03
What to do next
Avoid adding more large-cap IT exposure
Food delivery spend is 42% above normal -> Emergency fund delayed by 9 days -> Cut 3 orders or move less to guilt-free spend
Salary received -> After bills, SIPs and card dues -> You can safely invest ₹38,200
Dependency Moments
Arthaa becomes useful at the exact moments money decisions happen.
Before you spend
Which card should I use?
Use HDFC Swiggy for this order. You save ₹180 and preserve your Atlas milestone. Observation -> Personal impact -> Decision
When salary arrives
How much can I safely invest?
After rent, SIPs, bills, card dues and buffers... You can safely deploy ₹38,200. Move with confidence, not with whatever is left in the bank app.
When spending changes
What is affecting my goals?
Food delivery spend is 42% above normal. Emergency fund goal slips by 9 days. Reduce 3 orders this week or trim guilt-free spend.
When markets move
How does this affect my portfolio?
IT weakness dragged your portfolio by ₹8,200. You hold overlapping tech exposure. Avoid adding more large-cap IT exposure next.
Today In Your Money
Your daily money command center.
Not net worth and charts. Five things that actually matter today.
₹18,400
Safe to invest
Food delivery
Needs attention
-₹8,200
Portfolio move
01
What changed
Portfolio down ₹8,200 today because IT exposure fell.
02
What needs attention
Food delivery spend is 42% above normal.
03
What you can safely do
You can invest ₹18,400 more this month.
04
What goal is affected
Emergency fund goal delayed by 9 days if current spending continues.
05
What action to take
Move ₹10,000 to emergency fund. Use ICICI Amazon card. Avoid adding more large-cap IT exposure.
Financial Memory Engine
Arthaa remembers your money.
Without memory, chat is generic. With memory, Arthaa becomes personal.
Every answer is based on your actual financial life, not generic finance advice.
Your money context, always working for you.
Memory coverage
12 context layers
Memory coverage
Advice style
Personal, not generic
Advice style
Income, balances, recurring expenses, dues, SIPs, loans, goals, portfolio holdings, risk profile, past advice, and preferences.
A private financial memory layer that lets Arthaa answer from your real history.
Monthly Decision Engine
One number. Everywhere.
The deterministic engine that answers how much you can safely invest, spend, or save right now.
Bank balance is not the answer. Arthaa calculates your real deployable money after bills, SIPs, card dues, goals, buffers, and expected expenses.
Deterministic calculation. AI explains, engine decides.
Safe to invest
₹38,200
Safe to invest
Buffers protected
Bills + SIPs + dues
Buffers protected
Powers the dashboard, banking page, chat, goals, portfolio allocation, and alerts.
Produces one reliable number that stays consistent across the product.
Credit Card Intelligence Engine
Check Arthaa before you spend.
Arthaa tells you which card to use, what rewards you lost, and how to redeem points for maximum value.
You already had the right card. You just did not use it.
Leakage this month
₹3,200
Leakage this month
Best card now
Axis Atlas
Best card now
Which card to use now, what rewards were lost, which milestone is close, and which card to review or cancel.
Category-level memory for flights, food, shopping, and redemptions.
Spend Anomaly Engine
Arthaa catches unusual spending before it hurts your plan.
Detection is not enough. Arthaa connects every anomaly to a real financial consequence.
Most apps show overspending. Arthaa shows exactly how it affects your money plan.
Safe-to-invest drop
₹4,800
Safe-to-invest drop
Goal slip
14 days
Goal slip
Swiggy, subscriptions, fuel, shopping, weekend spending, and rising card bills.
Every anomaly is connected to investable surplus, goal timelines, and action.
Goal Engine
Goals that update with real behavior.
Not a static list. A living money plan.
Arthaa continuously re-plans your goals as your money changes.
Funding gap
₹65,000
Funding gap
Recovery action
+₹9,200 monthly
Recovery action
Dynamic projections, funding gaps, timeline slips, and recovery actions.
Example: Europe goal ₹3L by December -> projected ₹2.35L -> increase allocation by ₹9,200.
Portfolio Intelligence Engine
Know why your portfolio moved.
Arthaa explains what changed, where risk is hiding, and what to consider next.
Not just holdings. A living view of what your portfolio means.
Portfolio intelligence and decision support. Not investment advice.
Tech exposure
28%
Tech exposure
Goal alignment
62%
Goal alignment
Why portfolio moved, hidden overlap, concentration risk, goal alignment, and what next investments should avoid.
Responsible language only: decision support and educational guidance.
Market Impact Engine
Market news, translated into personal impact.
Arthaa tells you how the market affects your actual money before you even ask.
From market noise to personal clarity.
Decision support, not guesswork.
Banking exposure
22%
Banking exposure
Debt exposure
18%
Debt exposure
Market move, personal exposure, affected holdings, what to watch, and recommended next steps.
Example: RBI rate decision mapped to banking and debt fund exposure inside your own portfolio.
Ask Arthaa
Ask anything about your money.
Arthaa answers with your actual financial context: specific, direct, and grounded in your own numbers.
Can I invest ₹50,000 this month?
What should I cut?
Which card should I use for flights?
Why is my portfolio down?
Am I overexposed to IT?
Which goal is at risk?
Can I afford this purchase?
What should I do with my bonus?
How much can I spend guilt-free?
Ask Arthaa
Context-aware money decisions
Can I invest ₹50,000 this month?
Not safely. Your Axis card bill is due in 4 days and food delivery is running 42% above normal. You can safely invest ₹18,400 now. Put ₹10,000 toward your emergency fund and keep ₹8,400 flexible.
Trust, Privacy, and Accuracy
Trust is engineered.
Finance cannot run on hallucinations. Database truth, deterministic engines, and explainable AI each have a clear job.
Deterministic calculations
Safe-to-invest, dues, buffers, and goal gaps come from calculation engines, not AI guesses.
AI explanations
AI explains the why, answers questions, and translates financial signals into human language.
User-controlled data
Consent-driven, private, secure, and built around the user.
Waitlist
Let your money think with you.
Join the Arthaa waitlist and get early access to the financial brain that watches your money, explains what changed, and tells you what to do next.
Finance cannot run on generic advice. Arthaa is built for Indian salaried users who want decision support before mistakes become expensive.