Arthly: Private Money Tracker

SPGK Apps

In-app purchases

About this app

Arthly is a private expense manager and budget app that helps you track daily expenses, plan your monthly budget, and grow your net worth — without ever sending your money data to a server. Unlike other expense tracker apps, Arthly never reads your SMS and never asks for your bank login. Everything stays on your phone.

No ads. No tracking. No sign-up. Just a simple, fast money manager that respects your privacy.

WHY CHOOSE ARTHLY
• 100% private — your transactions never leave your phone
• No SMS reading and no bank connection — you stay in full control
• No ads, and we never sell or share your data
• Works offline — no account or internet needed
• Log an expense in just a few seconds

DAILY EXPENSE TRACKER
• Add income and expenses in seconds with quick-add and smart suggestions
• Track every payment mode — UPI, Cash, Credit Card, Debit Card, Net Banking and Wallet
• Create your own custom categories
• One-tap logging for recurring bills and subscriptions
• Search and filter your full spending history instantly

SEE WHERE YOUR MONEY GOES
• Clear spending charts by week, month, quarter, year or a custom date range
• Break down spending by category, payment mode or merchant
• Tap any bar or row to see the exact transactions behind it

BUDGET PLANNER THAT ACTUALLY HELPS
• Set a monthly budget for each category
• See how much is left at a glance
• Get a simple Money Health score to understand your finances

NET WORTH & INVESTMENT TRACKER
• Track accounts, investments, savings goals and loans in one place
• Record mutual funds, SIPs, stocks, gold, FD, RD, NPS, LIC and bonds with a full contribution history
• Watch your net worth grow over time
• Live gold and silver rates for India

BILL & CREDIT CARD REMINDERS
• Add credit cards using only the last 4 digits, with bill amount and due date
• Get reminders for bills, SIPs and card due dates so you never pay late fees

SAFE & SECURE
• PIN and fingerprint app lock
• Beautiful dark and light themes
• No account, no cloud, no data collection

Arthly is built on a simple idea: your financial life is yours. Your expense data should live on your phone, not on someone else's server. Whether you want a simple daily expense tracker, a monthly budget planner, or a complete personal finance app to track your net worth, Arthly keeps it all private.

Download Arthly today and take control of your money — privately.

Note: Arthly is an informational tool only. The Money Health score and any tax or investment estimates are for your information and are not professional financial, investment, or tax advice.

What’s new

• Pick your region — India-only features (UPI, SIP, live gold rates, 80C tax saver) now unlock automatically, or choose manually
• New: Light, Dark, or let Arthly follow your phone's theme automatically
• New: "Get Started" checklist on Home to guide you through your first few steps
• New: Rate Arthly right from Settings
• Fixed a crash some users hit on launch
• General performance and stability improvements