💰 Tax Saved
₹42,800
📈 Monthly SIP
₹18,000
🏦 Health Score
78 / 100
Free for Early Users — 12 Months Full Access

Your AI CFO for
Indian Salaried Life

Personalized tax optimization, SIP planning, salary insights, and financial guidance — powered by AI built for India's salaried workforce.

🔒 Bank-grade encryption
🇮🇳 India-specific tax rules
🤖 GPT-4 powered
📋 SEBI compliant
No spam, ever
artha.ai/dashboard
Menu
🏠 Overview
💰 Tax Planner
📊 Investments
🎯 Goals
🏦 Salary Analysis
🤖 AI Coach
📱 WhatsApp Nudges
⚙️ Settings
Good morning, Rahul 👋
Financial Overview — May 2025
In-hand Salary
₹92,400
↑ ₹2,100 from last month
Tax Saved YTD
₹38,500
↑ Under old regime
Net Worth
₹18.4L
↑ 12% this year
💡 Salary Utilization (Monthly)
Savings
SIP
EMI
Expenses
Other
0+
Salaried professionals
0Cr+
Tax optimized this year
0L+
Salary slips analyzed
0/5
User rating
✦ Core Features

Everything your salary deserves

Six powerful modules to make every rupee work harder for you.

📄
Salary Slip Intelligence
Upload your PDF or Form 16. Our AI extracts HRA optimization, NPS opportunities, LTA, PF impact, and shows your true in-hand savings potential.
HRA AnalysisForm 16Tax Regime CompareOld vs New
📅
Monthly AI Salary Plan
Every month, get a personalized plan: safe spending, SIP suggestions, EMI advice, emergency fund targets, and overspending alerts.
SIP PlannerBudget CoachEMI AdvisorAlerts
🎯
Financial Health Score
A proprietary 100-point score covering tax efficiency, emergency readiness, retirement readiness, insurance adequacy, and EMI stress ratio.
6 SubscoresGamifiedActionable Tips
🔮
Life Decision Simulator
Simulate buying a car, home loan prepayment, marriage, children, city change, FIRE planning. See the 10-year financial impact instantly.
Car vs RentFIRE PlanningHome LoanRetirement Age
📱
WhatsApp AI Coach
Get salary-day reminders, SIP nudges, tax deadline alerts, and intelligent financial coaching — delivered directly to your WhatsApp.
WhatsApp APISmart NudgesTax Reminders
📚
Investment Knowledge Base
India-specific finance education: SIP, ELSS, NPS vs PPF, term insurance, debt vs equity — explained simply by your AI coach.
NPS vs PPFELSS GuideTax HarvestingCalculators
✦ AI Coach

Ask anything about
your finances

A
Artha AI Coach
● Online — GPT-4 Powered

Your personal AI CFO, always on

Ask questions in plain English. Get actionable insights backed by Indian tax rules, SEBI guidelines, and your own financial data.

✦ Health Score

Your complete financial health
at a glance

Financial Health Score
78
out of 100
Tax Efficiency
82
Emergency Fund
65
Retirement Readiness
58
Insurance Adequacy
90
EMI Stress Ratio
72
Savings Consistency
88

Know exactly where you stand financially

Our proprietary 6-dimension Financial Health Score gives you a 360° view of your money life — and exactly what to fix next.

🎯
Personalised Action Plan

AI identifies your weakest area and gives you a 3-step plan to improve within 30 days.

📈
Month-on-month Tracking

Watch your score improve as you implement recommendations. Gamified progress badges.

🏅
Peer Comparison

See how you rank vs people with similar salaries and life stages in your city.

✦ How it works

Start in 3 minutes

📄
Upload Salary Slip
Upload your PDF salary slip, Form 16, or enter your CTC manually. We parse it securely with OCR + AI.
🤖
AI Analyses
Our AI reads your salary structure, identifies tax savings, and generates your personalised financial profile.
📊
Get Your Plan
Receive a complete financial plan: tax optimisation, SIP allocation, health score, and monthly budget.
💬
Ask Anything
Chat with your AI coach anytime. Get answers about loans, investments, taxes — in plain Hindi-English.
✦ Real Stories

Loved by salaried Indians

★★★★★
"I had no idea I was losing ₹38,000 in avoidable tax every year. Artha showed me exactly how to restructure my salary."
RK
Rahul Kumar
Software Engineer, Bangalore · ₹18L CTC
★★★★★
"The WhatsApp nudges are a game-changer. I used to forget my SIP every month. Now Artha reminds me on salary day."
PS
Priya Sharma
Product Manager, Mumbai · ₹24L CTC
★★★★★
"Asked Artha 'should I prepay my home loan or invest?' and got the most detailed, personalised answer I've ever seen."
AM
Amit Mehta
Finance Manager, Delhi · ₹32L CTC
🎉 Get full AI financial coaching free for 12 months — No credit card required

Join Early Access

We're building India's most trusted AI financial coach. Early users get free access while we grow with real feedback.

Over 47,000 salaried Indians already on the waitlist.

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12 months completely free
All 6 modules unlocked
WhatsApp coaching included
Founding member badge
Priority support forever
Why free?

"We're in mission-mode: building India's most trusted AI financial coach. Early users get free access while we improve the platform with real feedback. When we monetise, founding members keep their benefits for life."

— Artha AI Team
⚠️ Disclaimer: Artha AI provides educational financial planning insights and does not constitute SEBI-registered investment advice. Please consult a qualified financial advisor before making investment decisions. All data is encrypted and stored securely.