Template 01
Move for work
“Is the raise bigger than the city?”
New rent, new commute, the deposit and the shift, against the new offer. This one changes minds in both directions.
Act II · Money · Step 07 of 10
Price the decision before it becomes irreversible.
Move cities. Buy the bike. Take the offer. Three templates, running on your confirmed numbers, before any of it is irreversible.
- Templates
- Move · vehicle · new job
- Runs on
- Your confirmed figures
- Gives
- A planning estimate, clearly labelled
Why this exists
The big decisions get made on a feeling and a WhatsApp poll.
An hour goes on comparing two phones. Eleven minutes go on moving to a city where rent is forty percent higher.
A generic EMI calculator cannot help: it has never seen your commitments or your workday costs, and it has no idea the move also ends your ninety-minute commute. That is arithmetic without context.
Scenario · Move for work
SavedTracked monthly room₹12,400 → ₹8,200
Recurring commitments₹28,719 → ₹34,719
One-off cost
3.2 months
Savings goal
+5 months later
The sandbox starts from what you already confirmed.
Your own figures, arranged so the trade-off is visible. The decision stays yours.
Three templates, because these are the three that hurt.
Three decisions salaried people in India actually face, each with the inputs already framed.
Template 02
Buy a vehicle
“What does the EMI actually cost me?”
Down payment, EMI, insurance and running cost against the commute it replaces. Priced over the loan, not the excitement.
Template 03
Change jobs
“Is the offer better than it looks?”
CTC against CTC is the wrong comparison. Net pay, workday costs and commitments go on both sides.
A saved scenario. Edit it, duplicate it, delete it - it becomes a plan only when you say so.
How a scenario gets built.
Every figure that can come from your confirmed data does. You type only what nobody could know.
- 01You
Pick a template.
Move, vehicle, or new job. The template decides which inputs matter, so you never face an empty spreadsheet.
- 02The engine
Your real numbers are loaded in.
Confirmed net pay, commitments, tagged workday costs, savings goal. Nothing ARTH already knows gets typed twice.
- 03You
You fill in what only you know.
The new rent. The offer on the table. The down payment. These are assumptions, and they are labelled as assumptions.
- 04The engine
Four figures come back.
Monthly room before and after, the change to commitments, the one-off cost in months, and the shift in your goal.
- 05You
You save it, and change one thing.
Scenarios sit side by side. The value is not the first answer - it is the rent being ₹2,000 higher than you hoped.
- 06You
You decide. ARTH does not.
No recommended option, no score, and no nudge toward whatever would look good in a screenshot.
What each scenario reports.
Four figures, because these are the four that survive contact with a real decision.
- Tracked monthly room
- Net pay minus commitments, before and after. The figure that says whether the month still works.
- Commitment change
- What it adds to your monthly outflow - the part that outlasts the excitement.
- One-off cost in months
- A deposit priced in months of your own room, which is a more honest unit than rupees.
- Savings goal shift
- How much earlier or later your goal lands. Usually the figure that decides it.
- Assumptions, listed
- What you typed, kept separate from what ARTH pulled - so you know which half is a guess.
- Saved scenarios
- Side by side, editable, deletable. Drafts of a thought, not commitments.
What we promise.
This is where a finance app is most tempted to start advising. Here is what you get instead.
A planning estimate, and it says so. No credit assessment, and no hint that a loan would be approved.
Your own numbers, arranged. No product, lender or provider is ever recommended to you.
Your assumptions and the arithmetic, both on screen. Nothing is forecast on your behalf.
Figures, not promises. No savings, returns or outcomes are guaranteed anywhere.
Run the numbers while you can still change your mind.
Controlled Android beta · Tax Year 2026-27 · Income-tax Act, 2025