Artha: Track, Split & Invest

Artha is the money app that finally puts everything in one place — your wallets, your spending, the bills you split with friends, and your investments — tracked with the clarity of a printed bank statement, built for your phone. Named after the Sanskrit word for wealth and purpose, Artha is built on a simple idea: money is easier to manage when you can see all of it clearly, in one app, instead of switching between five. WALLETS, ALL IN ONE VIEW - Track cash, bank accounts, UPI and other digital wallets, and more - Add as many wallets as you need and watch your total balance update instantly - Every transaction is tagged to the wallet it came from, so you always know exactly where your money is TRANSACTIONS THAT MAKE SENSE - Log expenses, income, and transfers in seconds - Organize spending into clear categories — food, transport, housing, bills, shopping, health, and more - Recent activity shows up the moment you add it, right on your home screen - A running monthly summary of income, spending, and savings rate, always visible SPLIT BILLS, FIVE DIFFERENT WAYS Group expenses are where Artha really earns its keep. Create a group for a trip, a shared flat, or a recurring dinner crew, and split every bill exactly the way that's actually fair: - Equal — split evenly across everyone, no math required - Percentage — assign each person a share that has to add up to 100% - Unequal — type in the exact amount each person owes - Shares — weight the split by shares, like 2:1:1, for households where costs aren't even - Itemized — assign individual line items to whoever actually ordered them Inviting people is just as flexible: share an invite link, share a 6-character code, or let someone join a group by typing that code in themselves. Every group keeps a live, running expense log — not a static snapshot — plus an automatic settle-up view that spells out exactly who owes whom. And every group comes with full management built in: rename it, mute its notifications, leave it, delete it, or export the whole thing as a clean, print-ready PDF statement. INVESTMENTS THAT UPDATE THE WAY THEY ACTUALLY SHOULD Not every investment works the same way, so Artha doesn't force them all through the same logic: - Market-linked holdings, like stocks and mutual funds, refresh with live pricing at the tap of a button - Fixed-return holdings, like fixed deposits, accrue automatically from their real interest rate — genuine compounding math, not a guess - Manually-tracked assets, like physical gold, update only when you tell them to, because there's no live feed to trust Your full portfolio — allocation by asset type, gains and losses per holding, total value — is always one tap away, and every holding is clearly labeled so you know exactly how its number is calculated. MONTHLY STATEMENTS, DONE PROPERLY Once a month, Artha pulls everything together into one complete statement: income, spending by category, budget versus actual, every transaction, your full portfolio, and every group's activity — formatted cleanly enough to print or save as a PDF, not just a scroll of numbers. BUILT AROUND HOW YOU ACTUALLY USE MONEY - Choose your currency, reflected across your wallets and investments - Set a default split method so new groups start configured the way you like - Switch between light and dark themes - Turn budget alerts on or off - Secure your account with biometric login and two-factor authentication - Keep your profile, notifications, and preferences exactly the way you want them WHY ARTHA Most finance apps either drown you in features you'll never touch, or oversimplify until they're not useful. Artha is built around what matters every day — what you have, what you owe, what you're owed, and what you're growing. It isn't trying to be everything. It's trying to be the one place where your wallets, shared expenses, and investments finally make sense together. Download Artha and see what your money actually looks like.