Ari - AI Money Coach

Pinegrass Technologies

About this app

Take control of your money with Ari — an AI-powered personal finance app built for India.

Ari helps you understand where your money goes, plan smarter budgets, and build savings habits that actually stick. Designed for salaried professionals and freelancers, Ari combines simple expense tracking with an intelligent AI coach (Tomo) that answers your money questions in plain English.

✦ TRACK EXPENSES IN SECONDS
• Voice input — just say "spent 350 on groceries" and Ari logs it
• Smart merchant detection — Swiggy, Zomato, Uber, Amazon, IRCTC and more recognised automatically
• Custom categories with your own emoji and colour
• Quick-add templates for your most common transactions

✦ MEET TOMO, YOUR AI MONEY COACH
• Ask anything about your spending: "Where can I cut back this month?"
• Personalised insights based on your actual transactions
• Friendly, jargon-free advice in English
• Tomo never recommends specific products — for any product decision, Tomo will point you to a SEBI-registered adviser

✦ BUDGETS THAT WORK
• Set monthly budgets per category
• See your progress at a glance with colour-coded progress bars
• Get gentle nudges when you're approaching a limit
• Roll over unused budget to next month

✦ SAVINGS GOALS
• Create goals for that vacation, new laptop, or emergency fund
• Track contributions over time
• Visual progress to keep you motivated

✦ TAX ESTIMATOR (FY 2025-26)
• Compare Old vs New Regime side-by-side
• Estimate Section 80C, 80D, HRA exemption, home loan interest
• Built with the latest FY 2025-26 slabs
• For estimation only — file with your CA or tax professional

✦ DAILY HEATMAP & WEEKLY BRIEF
• See your spending pattern at a glance
• Weekly summary of where your money went
• Identify spending spikes early

✦ INDIA-FIRST DESIGN
• Indian Rupee (₹) formatting throughout
• UPI deep-link settlement for shared expenses
• Built by an Indian solo founder for Indian users

✦ PRIVATE BY DEFAULT
• Private Mode hides amounts and pauses analytics with one tap
• Sessions encrypted on-device using OS-level secure storage
• Your data stays your data — we never sell to advertisers
• Full data export and account deletion available in Settings

✦ FREE FOREVER (v1)
Ari v1 is completely free — no ads, no paywall, no subscriptions. Premium features may launch in future versions, but core tracking and Tomo AI coaching will always have a free tier.

DPDP COMPLIANT: Ari complies with India's Digital Personal Data Protection Act 2023. Grievance Officer: [e-mail].

Note: Ari is a personal finance tracker and AI coaching tool. It does not provide investment, tax, or legal advice. For specific financial decisions, please consult a SEBI-registered investment adviser or qualified Chartered Accountant.