Local-First & Offline
Your data lives on your device. No account required to start tracking expenses. Works instantly, even offline — no internet needed.
Now live on the App Store
The bestExpense Trackerfor India
AI-powered income & expense tracking with UPI support, receipt scanning, and budget planning — built local-first for Indian consumers.
🍔
Zomato
−₹312
🛒
BigBasket
−₹890
🚗
Ola Cab
−₹156
⚡
Electricity
−₹1,163
Download on the
App Store
Free · iPhone
Android coming soon — join the waitlist
See it in action
Built for how you actually spend
Your financial snapshot
Features
Everything you need to take control
Privacy by Design
We never see your financial data. No analytics on your spending. No selling to third parties. Ever.
AI Receipt Scanning
Snap a photo of any receipt. AI extracts the merchant, amount, and date automatically — on-device when possible.
Smart Categorization
AI recognises Indian merchants like Swiggy, Zomato, and BigBasket. Learns your patterns over time.
Budgets & Insights
Set monthly limits by category. Get notified before you overspend. Track where every rupee goes.
✓ No account required✓ Works offline✓ No ads, no tracking✓ End-to-end encrypted sync
Privacy
Your financial data stays yours
Most finance apps upload your spending to their servers. Artha is different — your data lives on your device, not ours.
On your device first
SQLite database on your phone. No server required.
No data harvesting
We don't track habits, build profiles, or share data.
Instant, always
Zero loading spinners. Data is already there.
Optional encrypted sync
Back up across devices. Turn it off anytime.
Expense tracker built for India
Not another American app with a currency swap. Artha understands Indian spending — UPI payments, lakhs & crores formatting, and merchants you actually use.
UPI & Cards
Lakhs & Crores
Swiggy & Zomato
Ola & Uber
BigBasket & Blinkit
BookMyShow
Frequently asked questions
Everything you need to know about Artha.
What is the best expense tracker app in India?
Artha is an AI-powered expense tracker built specifically for Indian consumers. It supports UPI payments, INR formatting in lakhs and crores, smart categorization for Indian merchants like Swiggy, Zomato, Ola, and Uber, and works completely offline with a local-first architecture.
Is Artha a free expense tracker app?
Yes, Artha is free to use. You can track all your income and expenses, scan receipts with AI, set budgets, and manage multiple accounts at no cost. No hidden fees, no ads, and no data harvesting.
Does Artha work offline without internet?
Yes. Artha is built with a local-first architecture, meaning all your financial data is stored on your device in a local database. You can add transactions, view reports, and manage budgets without any internet connection. Optional cloud sync is available if you want to back up or use multiple devices.
How does Artha protect my financial data?
Artha follows a privacy-by-design approach. Your financial data never leaves your device unless you opt into encrypted sync. There is no analytics on your spending, no data selling to third parties, and no account required to start tracking. When sync is enabled, data is encrypted end-to-end.
Can I track UPI payments and credit card expenses in Artha?
Yes. Artha supports tracking all payment methods popular in India — UPI (Google Pay, PhonePe, Paytm), credit cards, debit cards, bank accounts, cash, and digital wallets. You can manage multiple accounts and track credit card due dates and EMI payments.
Does Artha have AI receipt scanning?
Yes. Artha uses AI to scan and extract data from receipts. Simply take a photo of any receipt and the AI automatically detects the merchant name, amount, date, and category. Processing happens on-device when possible for maximum privacy.
Is Artha available for iPhone and Android?
Artha is available now on iOS — download it free from the App Store. Android support is on the roadmap. Join the waitlist to be notified when the Android version is ready.
How is Artha different from other expense trackers in India?
Unlike most finance apps that upload your data to their servers, Artha is local-first — your data stays on your device. It is also purpose-built for India with INR formatting in lakhs and crores, Indian merchant recognition (Swiggy, Zomato, BigBasket, Ola), UPI support, and culturally relevant expense categories. Plus, it uses AI for receipt scanning and smart categorization.
Download Artha for free
India's most private expense tracker is now live. Track UPI payments, scan receipts with AI, and manage budgets — all offline, all on your device.
Free · iPhone · iOS 17+
On Android? We'll notify you when it's ready.
Questions? hello@naveenschoudhary.com