The problem we set out to solve
Most people manage money across many places — a bank account, digital wallets, some cash, a few investments, maybe a fixed deposit, and money lent to or borrowed from family and friends. Keeping track of all of it is genuinely hard.
Generic expense trackers only go so far. They tell you what you spent, but not what you're worth, what you're owed, or whether your investments are actually growing. Spreadsheets are powerful but fragile — one broken formula and your net worth is wrong.
Our Mission & Vision
Mission
To give everyone, everywhere, a clear and honest picture of their financial life — powered by real double-entry accounting, private by design, and free to start.
Vision
A world where managing personal finances is as rigorous as running a business, yet as effortless as any modern app — so anyone can make confident money decisions.
Why double-entry accounting?
Real accounting software uses double-entry accounting because it's mathematically self-consistent — every entry has two sides, and the books always balance. Businesses have relied on this system for centuries because it simply works.
Arthmantra applies that same discipline to personal finance. Every transaction you record — a salary credit, a purchase, an investment, a loan repayment — is a proper double-entry record. That means your Net Worth, Trial Balance and Cash Flow reports are always accurate, not just rough estimates.
Works anywhere
Multi-currency support for 40+ currencies means Arthmantra fits your money wherever you live and however you earn — no assumptions about your country.
Private by design
Your financial data is yours alone. Every account is fully isolated — no cross-user data, no selling of data, no advertising. Just your numbers, for your eyes only.
Simple to use
Accounting-grade accuracy doesn't have to mean accounting-grade complexity. Arthmantra is built so anyone can use it, even if you've never heard of a ledger.
What Arthmantra covers
A complete picture of your personal finances:
- Accounts — cash, savings, current, wallets, credit cards
- Transactions — receipts, payments, transfers, journal entries
- Investments — mutual funds, stocks, deposits, bonds, gold, real estate
- Loans & Lending — money given and received, with interest tracking
- Budgets — monthly category budgets with live progress
- Recurring entries — EMIs, investments, rent, subscriptions, salary
- Reports — P&L, Cash Flow, Ledger, Net Worth, As-On-Date position
Our journey
Built with modern, reliable technology
Arthmantra is engineered for accuracy, speed and security:
Meet the founder
Arthmantra was born from a simple belief — managing your money should be as rigorous as running a business, yet as effortless as any modern app. The goal is to give people everywhere a clear, honest picture of their financial life: built on real accounting, private by design, and free to start.
Connect on LinkedInWhat's coming next
Goal Planning
Set financial goals and track progress with target dates.
Health Score
A 0–100 score that rates your overall financial health.
Smart Insights
Automatic monthly insights on your spending and saving.
Mobile App
Track your money on the go, with offline support.
Free to use
Arthmantra is free to sign up and use. No hidden charges, no premium tiers, and no credit card required to get started. Create your account and start tracking in under a minute.