Arthasutra reads your bank SMS, tracks every rupee and tells you how much you can spend today — so every rupee you don't spend becomes a step toward something you love.
Coffee ₹250. Blinkit ₹600. Zomato ₹400. One "small" order after another. Arthasutra shows you exactly where your money goes — and gives you one honest number to live by each day.
One number, updated every day. Spend less today and tomorrow's limit goes up.
"₹216 at bakery · ₹1,157 left today." Plus a morning limit and a night summary.
Food, travel, bills, shopping — sorted for you, and it learns from every fix.
Green and red days at a glance, with a streak for every day under budget.
Card and EMI dues spotted from SMS, reminded before the due date, closed when paid.
Money between you and family isn't counted as spending — and loans are tracked till they're returned.
Arthasutra only reads messages from banks and card issuers.
Your salary, your family, a handful of shops. One tap each — it remembers.
Every morning, one number. Every night, a kind summary of your day.
Add a goal with a photo — a bike, a trip, a safety fund. Money you save each day flows into it, and the app cheers you on, never shames you.
Your SMS never leaves your phone. We have no servers that see your money, no ads and no data sales. Delete the app and everything is gone.
Read the full privacy policyYour bank already sends an SMS for every payment. Arthasutra reads those messages on your phone to track spending automatically — no bank login needed.
Tested with SBI, HDFC, Kotak, Axis, AU and SBM, plus UPI messages. More banks are added as we test them.
Everything stays on your phone. Nothing is uploaded to any server.
Yes — no ads and no subscription.
Not yet — iPhones don't let apps read SMS. Arthasutra is Android only for now.
Uninstall the app, or go to Settings › Apps › Arthasutra › Clear data. Nothing remains anywhere else.
Free for Android. Takes two minutes to set up.
Download for Android [Play Store link — coming soon]