The problem we set out to solve
Most Indians manage money across multiple places — a savings account, a UPI wallet, some cash at home, a few SIPs, maybe an FD, and a bunch of informal udhar with 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 they don't tell you what you're worth, what you're owed, or whether your investments are growing. And spreadsheets are powerful but fragile — one missed formula and your net worth is wrong.
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 used this system for centuries because it works.
Arthmantra applies that same discipline to personal finance. Every transaction you record — a salary credit, a grocery purchase, a SIP 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 estimates.
Made for India
UPI wallets, cash, udhar, SIPs, PPF — Arthmantra understands how Indian households actually manage money, not just how Western finance apps assume they do.
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 — SIP, MF, stocks, FD, PPF, gold, real estate
- Loans & Udhar — money given and received, with interest tracking
- Budgets — monthly category budgets with live progress
- Recurring entries — EMIs, SIPs, rent, subscriptions, salary
- Reports — P&L, Cash Flow, Ledger, Net Worth, As-On-Date position
Free to use
Arthmantra is free to sign up and use. There are no hidden charges, no premium tiers, and no credit card required to get started. Create your account and start tracking in under a minute.