The financial advisor
we wished existed.
One AI that sees your mutual funds, insurance, EPF, loans, and goals together — and works only for you.
The story
I have a full-time job. I don't have hours to deep-dive into generic financial advice that starts with "it depends on your risk appetite" and ends with "consult a financial advisor."
Every app I tried showed only its own slice. My MF tracker didn't know about my EPF. My insurance app didn't know about my loans. And all of them gave the same generic guidance that ignored my actual numbers.
I wanted an AI that knows me — my salary, my EMIs, my funds, my goals — and answers based on my context. Not "invest 20% of income" but "you have ₹18K surplus after your SIPs and EMIs, here's what to do with it."
So I built it.
Principles
Personal, not generic.
Arth answers based on your actual numbers — your salary, your holdings, your goals. Not templated advice that applies to everyone and helps no one.
Complete picture, not fragments.
Mutual funds, EPF, insurance, loans, goals — all in one place. Cross-product reasoning that no single-product app can do.
No one pays us to recommend anything.
Zero commissions, zero affiliate links, zero ads. Every suggestion exists because it's good for you — not because someone paid for placement.
Your data, your choice.
Use on askarth.com — stored per-user, never sold. Or run locally with ./start.sh and nothing leaves your machine.
Open source. MIT license.
Every recommendation is auditable. If we ever break these principles, fork the code and walk away. Arth is a tool, not a SEBI-registered advisor — final decisions are yours.
How it's built
Arth is built by one person and AI agents. No engineering team, no funding. Features come from real investor frustrations found on Reddit and personal experience — not a product roadmap designed in a boardroom.
The entire codebase is open source. 500+ commits since March 2025.
Free
to use
Open
source
Self
hostable
How it works
You share your financial data
Upload a mutual fund statement, or just tell Arth about your income, expenses, and assets in plain language.
Arth builds your complete picture
All your assets, goals, and cash flow in one place. Enriched with live market data.
AI reasons over your context
Ask any question. Arth uses AI to analyse your specific situation — not generic rules — and gives you answers that apply to your numbers.