Know what work costs you. Catch what you're owed.
ARTH reads your offer letter, payslips and bank SMS on your own phone - then shows you what you were promised, what actually arrived, and what to do about the gap.
Free · Android beta · Your bank login stays with your bank
One month, in four checks.
- 01
The promise
Your offer letter, read once and confirmed by you. That becomes the number everything else is checked against.
- 02
The payslip
Every component pulled out of the document you never open - basic, HRA, the deductions taken before you saw the money.
- 03
The credit
The salary credit that actually landed, read off your own phone, beside what the payslip said it would be.
- 04
The gap
What is missing between the three - unclaimed deductions, reimbursements never asked for, a component quietly dropped.
A salary is not one number.
It is a promise, a payslip, and everything that happens in between. Most money apps start after the money lands. ARTH starts at the offer letter.
Did my payslip match what I was promised?
Your confirmed offer, checked against every payslip and salary credit.
Is there a reimbursement or benefit I haven't claimed?
It surfaces claimable money and builds the claim pack. You send it.
What work-related cost keeps repeating?
Repeat merchants come out of your own SMS. You decide which ones are work.
Ten screens, one set of numbers.
Every screen runs on your confirmed payslip and your own transaction SMS.
Read the whole product →Paycheck Deduction gaps Old vs new regime Workday costs Money overview Decision sandbox Spend map
Tax is 1 loop. A supporting one.
But it's the loop where most people quietly overpay. Move the slider.
₹15 lakh
₹0
New regime
Cheaper₹97,500
Taxable ₹14,25,000
Old regime, no deductions
₹2,56,620
Taxable ₹14,47,500
At ₹0 of deductions the new regime still costs less. Push the second slider until the bars swap.
Usually New · ₹12.75L – ₹24L - Lower slabs help unless old-regime deductions are strong
An estimate for Tax Year 2026-27: CTC treated as salary income, no capital gains, surcharge or age band. ARTH does not file returns or give tax advice.
₹3,75,000
Roughly the deductions you need before the old regime beats the new one. Most people never check.
This is what ARTH actually does.
Not a tax filer. Not a budget app. A money workspace built from your real payslip and your real spend.
01 · Workday Cost Lens
Find the cost of having a job.
Coffee before standup. The cab when you're late. The Friday team lunch. Individually invisible, annually enormous. ARTH finds repeat merchants in your own transaction SMS and asks you 1 question: is this a work cost?
The limits: Only itemised SMS purchases count. Cash and card bills stay out.
02 · Monthly Commitments
What repeats each month.
Rent, EMIs, subscriptions, bills, family support - in 1 number you can actually plan against. Only a repeat you confirmed, or an item you added, changes the total. A prediction never quietly becomes a commitment.
The limits: Tracked spending may be incomplete. This is not your bank balance.
03 · Decision Sandbox
Test it before it costs you.
3 templates: move for work, buy a vehicle, change jobs. Each one shows the change in tracked monthly room, the change in recurring commitments, the one-off cost in months, and what it does to your savings goal. Save it, edit it, duplicate it - all on your device.
The limits: Private estimate from your tracked money. Not an affordability decision.
Common questions
Still have one? Read the whole trust page, or ask Tiya - she answers from this product only.
- Your bank login stays with your bank
- No investment recommended, none bought for you
- No credit scoring, and no lender at the end of a funnel
- Every claim to your employer is sent by you
- You file where you already file
- A guide for this product, not an “ask anything” bot
- Figures and dates, never a promised outcome
ARTH is an Android app for salaried people in India. It reads your offer letter, payslips and bank SMS on your own phone, then shows you what you were promised, what actually arrived, what your job costs you each month, and what you can still claim.
No. Your bank login stays with your bank. ARTH reads the transaction messages your bank already sends to your phone, and it never asks for net-banking or UPI credentials.
Your SMS are read on your phone, by rules - no network call and no model. Personal messages stay unread. Only what the rules cannot resolve travels, stripped of digits and amounts first. Documents, PAN data and account data are encrypted at rest under a key that is yours alone.
No. ARTH is a tool for working things out, not a filing service and not an adviser. You file where you already file, and every claim to your employer is sent by you.
Never. No investment is recommended and none is bought for you. There is no credit scoring and no lender at the end of a funnel. ARTH is not a bank, lender or broker.
No. A parsed document waits for your confirmation before it reaches any calculation, and a correction you make is permanent - a re-scan cannot undo it. Nothing counts until you confirm it. That is the whole rule.
Yes. You can delete your tax and paycheck data whenever you like - scoped, visible and permanent. Your login stays; the data goes, and it does not come back.
Nothing. ARTH is a free controlled Android beta for Tax Year 2026-27. Join the waitlist and you get one email when your build is ready.
Rishav Dewan
Founder, ARTH
The first time I read my own payslip, I had no idea what I was looking at - and no way to tell whether the number was right.
Get in before the beta closes.
1 email when your build is ready. Nothing else.
ARTH ships as a signed Android APK through GitHub Releases - controlled beta, Android only, for now.
