Section 123 · was 80C
₹0
The one everybody knows - under its old name. Renumbered by the Income-tax Act, 2025; the ₹1.5 lakh limit did not move.
Counts toward the limit
EPFPPFELSSLICNSC5-yr FD
- Effort
- Easy · 20 min online
- Deadline
- 31 March 2027
The long version
Why ARTH exists, and how it is built.
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.
The homepage says the short version, because most people arriving here are deciding whether this is for them at all. This page is the rest of it: the questions a salary raises and nobody answers, every surface in the app in full, each vendor in the pipeline with the limit placed on it, and the one rule the whole product rests on.
- 4,920
- Paired computations across ₹1L-₹60L gross and ₹0-₹10L deductions, checked to the paisa before and after the Act changed.
- 0
- Language models anywhere in the tax arithmetic. A versioned rule engine computes; a model only ever proposes text for you to confirm.
- 18
- Renumbered sections mapped with their sources - and the three that only one source confirms are labelled as such rather than asserted.
- 3
- Matching purchases before ARTH will show you a spending pattern at all. Two is a coincidence.
A salary is not 1 number. It's a promise, a payslip, and everything that happens in between.
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.
What does a move, vehicle, or job change do to my monthly room?
Price it as a private estimate, before you commit to it.
Which document should I confirm before I trust a tax number?
Nothing counts until you confirm it. That is the whole rule.
Most money apps start after the money lands. ARTH starts at the offer letter.
Offer letter · Signed 12 Jan
₹45,920
Promised monthly net
Payslip · March
₹45,920
Parsed on your phone
Bank SMS · 28 Mar
₹45,920
Salary credit
3 sources agree.
When they don't, ARTH shows you the gap instead of picking a winner.
What ARTH goes looking for.
12 deduction gaps, each with its own deadline. ARTH checks all of them against your confirmed numbers.
See the full list123 · was 80C124 · was 80CCD(1B)Employer NPS126 · self126 · parents126 · parents 60+129 · was 80EHouse rent153 · was 80TTA153 · was 80TTBHome loan interestRegime choice
Section 124 · was 80CCD(1B)
₹0
An extra NPS deduction that sits entirely on top of the ₹1.5 lakh limit, not inside it. 30 minutes in the NSDL app.
Sits on top of 80C
₹1,50,000
+₹50,000
- Effort
- Easy · 30 min, NSDL app
- Deadline
- 31 March 2027
Employer NPS · was 80CCD(2)
Both regimes
Ask HR to route part of your CTC to employer NPS. The only gap here that still saves tax under the new regime.
Works in
New regimeup to 14% of basic
Old regimeup to 10% of basic
- Effort
- Medium · HR request
- Deadline
- 31 March 2027
Inside the app
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.
The workspace
4 tabs. 4 questions you already ask yourself.
Not another dashboard. There is only room here for what you would act on this month.
01
Home
“What matters this month?”
Tracked position · spend pace · priority action · recovery
Left₹0
Tracked monthly position
₹18,420
Pace: on track for ₹29,700
Priority action1 claimable · ₹2,400
02
Money
“Where is work and life costing me?”
SMS spend map · workday costs · commitments · savings goal · decision sandbox
CommuteOffice mealsCoffeeWork toolsWork social
₹1,040 a month, tracked - your tags, not our guess
03
Plan
“What document or tax task is next?”
Documents · payslips · tax diagnostic · tax plan · recovery
Payslip · MarchConfirmed
Form 16Awaiting you
Tax diagnostic3 gaps
Next deadline31 March 2027
04
Profile
“What data and permissions does ARTH use?”
Account · privacy · permissions · connected tools · deletion
SMS read access
Connected tools
Delete my dataScoped · permanent
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?
- Never guesses meaning - you tag it: Commute · Office meals · Coffee & snacks · Work tools · Work social · Other
- Needs 3 matching purchases before it shows you a pattern at all
- Shows the arithmetic: your own median amount × 52 weeks ÷ 12 months
- “Try 1 less each workweek: save about ₹1,040 a month.” And if you commit, it snapshots the target so a later spending change can't rewrite what you signed up for.
Repeat merchants found
from your own SMS
Blue TokaiCoffee & snacksUberCommuteSattvik KitchenOffice mealsMetro cardCommuteToitWork social
Median ₹240 × 52 weeks ÷ 12 months
₹1,040 / month
The limits: Only itemised SMS purchases count. Cash and card bills stay out.
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.
Monthly commitments
₹28,719
Rent
You added
₹18,000
Bike EMI
Repeat you confirmed
₹4,820
Broadband
Repeat you confirmed
₹899
Family support
You added
₹5,000
A prediction never quietly becomes a commitment.
The limits: Tracked spending may be incomplete. This is not your bank balance.
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.
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 limits: Private estimate from your tracked money. Not an affordability decision.
Your spending, read off your own phone.
ARTH reads only bank and UPI transaction SMS, on-device, with regex and keyword rules - no network, no LLM. Personal messages are ignored. Categorisation is rules-first; only what the rules can't resolve goes through a minimised, redacted pass, and your corrections never go back out.
Tracked spend · March
₹18,775
Food & dining₹8,420
Commute₹4,180
Bills & utilities₹3,260
Shopping₹2,915
Cash and some cards are invisible here. ARTH does not guess the gap.
The limits: No fake coverage percentage. No guessed missing amount. Cash and some cards are invisible, and ARTH says so.
Tax, contained on purpose.
A versioned, deterministic rule engine for Tax Year 2026-27 under the Income-tax Act, 2025. It compares old and new regime, shows which deductions you're leaving on the table, and shows its assumptions. An LLM never calculates your tax, picks your regime, or makes a claim.
Tax Year 2026-27 · ₹15 lakh CTC
DeterministicNew regime₹97,500
Old regime, no deductions₹2,56,620
Difference before deductions
₹1,59,120
The limits: ARTH does not file your ITR and does not provide tax or legal advice.
The pipeline
Four vendors, and the wall around each one.
“AI-powered” is not a claim, it is a shrug. Here is which vendor touches what, at which step, and the thing each one is not allowed to do.
Sarvam AI
Document digitisation
Indian payslips arrive as scans, phone photos, and PDFs that were never meant to be read by a machine - often not in English. Sarvam's document-digitisation API turns those pages into clean structured text before anything tries to interpret them.
Runs only on a document you uploaded. Returns text, never a decision.
Google Gemini
Structured interpretation
Gemini takes that text and proposes a structure: employer, pay period, each earning and deduction line, and a confidence rating per line. It also writes down what it is unsure about, as questions for you.
Proposes. Never confirms. Every line lands in your review queue before it counts.
OpenAI
Merchant categorisation
On-device rules resolve most transaction SMS on their own. What is left is one entry per distinct merchant - redacted, with long digit runs and exact amounts stripped - sent for categorisation. A cheap model does the labelling; only genuine disagreement escalates to a larger one.
Never sees your full inbox, personal messages, or account numbers. Your correction always overrides the label.
Google Cloud
Keys and encrypted storage
Documents live in encrypted object storage in the asia-south1 region, under per-user keys managed by Google Cloud KMS.
Encrypted at rest with AES-256-GCM. Deletable on your command.
Vendor names and logos belong to their owners and are shown here only to describe how ARTH is built. Tax figures are never produced by a language model - those come from a deterministic, versioned rule engine.
Paycheck & documents
A parsed document is not a verified fact.
ARTH reads your offer letter and payslips on-device, and pulls out every number it can find.
Then it stops and asks you.
Nothing touches a reconciliation or a tax calculation until you've confirmed it - because a number you didn't check is a number you can't defend.
March payslip
On device₹45,920
Net pay, confirmed by you
Gross₹0
Gross earnings
₹52,700
Matches offer
Deductions
₹6,780
PF · PT confirmed
Net pay
₹45,920
Matches bank credit
Claimable item
₹2,400
1 pending review
4 of 4 lines reconciled
Bank credit · 28 Mar
₹45,920
Review 3 items
Trust isn't a settings page.
It was the first thing designed here, not the last thing added.
Your SMS are read on your phone, by rules. No network call, no model.
Personal messages stay unread. Only what the rules cannot resolve travels, stripped of digits and amounts first.
Incoming SMS
Parsed on deviceSent ₹240 to BLUE TOKAI from A/C XXXXXX4417 on 12-03
MerchantBlue Tokai
Amount₹240
Sent to a serverNo
Seven lines that hold.
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
Start where you are
Which one is you?
Pick the sentence you would actually say. Two of these work right now, free and without an account.
That is the whole argument.
The app is a controlled Android beta and it is free. One email when your build is ready, nothing else.