Index funds47%
₹20,000
Core wealth
Plan recalculated
Your investable amount
₹42,500
ACTIVE MODULES
Your money command centre
TODAY'S DECISION
Stay on course
Goals35%
₹15,000
68%
Home + safety
Gold & global18%
₹7,500
Diversifiers
Priority goalHome down payment
₹12.4L saved₹18L target
ARTHA AI · DECISION LAB
Ask before you spend.
I compare cash flow, goals, debt, emergency reserves and current market context before answering.
Personal data stays private. Actions always need your approval.
RESEARCH, NOT NOISE
Market radar
Understand what changed, why it matters, and whether your plan needs action.
Demo feed
Connect broker for live quotes
MORNING BRIEF3 min read
Rates are steady. Quality still matters.
Broad indices are firm, but valuations remain uneven. Your monthly plan stays unchanged; stagger any extra allocation.
✓ Plan impact: lowConfidence 82%
EVIDENCE-BASED RADAR
Opportunities
YOUR RADAR
Watchlist
N5
Nifty 50India · Index
25,734+0.42%
BN
Bank NiftyIndia · Index
57,612−0.18%
S5
S&P 500US · Index
6,496+0.31%
ND
Nasdaq 100US · Index
23,849+0.57%
AU
GoldCommodity
₹1.08L+0.22%
ETF
Nifty 50 ETFCore equity
₹281.40+0.40%
Source every conclusion
Production mode will show exchange time, quote delay, source links, analyst conflicts and what could invalidate each thesis.
CORPUS & SIP TRACKER
Your whole portfolio.
Track every fund, account and recurring investment in one private view.
Total corpus● Demo sync
₹24,30,000
+₹1.82L this yearAcross 7 holdings
Equity 52%Debt 21%Gold 15%Cash 12%
HOLDINGS
Funds & assets
Track first, recommend second
Live mode must import statements or broker data, match schemes accurately, include fees and taxes, and never double-count the same holding.
CARD CONTROL CENTRE
Use credit deliberately.
See every cycle, due date, bill and spend before choosing a card.
BEST CARD TODAYDecision score 91
Use HDFC Regalia • 4431
Its statement closed recently, utilisation is low and your purchase category earns rewards. Pay in full—never spend only to extend the cycle.
Next statement28 SepCurrent utilisation9%Reward fitTravel · 4×
USE-AFTER CALENDAR
Next 35 daysWhich card, after which date?
A cycle reset can extend the time before payment, but it never makes a purchase affordable. The app first reserves every existing bill and checks utilisation.
ALL CARDS
Billing calendar
Efficiency never outranks repayment
Recommendations check available limit, utilisation, existing dues, category rewards, fees and repayment capacity. The safest card may be “use debit / wait.”
INCOME + RECEIVABLES
Know what is coming in.
Salary, business, rent, allowance and money owed to you—without confusing expected money with cash already available.
₹1,60,500
Recurring income₹1,42,000Money due to you₹18,500
INCOME SOURCES
Monthly inflows
MONEY DUE TO YOU
Pending payments
Expected is not available
ArthaOrbit excludes unpaid receivables from safe-to-spend and auto-invest amounts until the money actually settles.
WORLD CRYPTO TRACKER
Crypto, in proportion.
Track global assets and your holdings while keeping speculation inside a signed portfolio cap.
Demo prices
Connect market data for live quotes₹1,18,400
Portfolio share 4.6%Inside 5% cap
YOUR HOLDINGS
Current investments
No guaranteed-gain crypto calls
Live mode would show exchange timestamp, liquidity, custody, concentration, tax and drawdown risk. AutoPilot keeps crypto off unless you explicitly allow it.
INDIA + GLOBAL PROPERTY RADAR
Buy, rent or wait?
Compare affordability, rental yield, infrastructure, employment, supply, climate and title risk—not price growth alone.
Shortlist by evidence, never hype.
Each location receives a dated source bundle, risk range and “what would change this view” checklist.
AffordabilityYieldInfrastructureLegal
EXAMPLE SHORTLIST
Markets to investigate
No “guaranteed future-development” claims
Only published plans, permits, RERA/land records, transaction indices and verified listings count as evidence. Announcements are weighted below completed infrastructure.
ADAPTIVE PLAN
Goals that reroute.
When life changes, ArthaOrbit adjusts the route without losing the destination.
84/100
PLAN HEALTH
Strong, with one gap
Emergency reserve needs 1.8 more months.
SMALL WINS
Everyday goals
New television₹28,000 of ₹55,000
DecAir conditioner₹18,000 of ₹42,000
FebACTIVE ROUTES
Your goals
HOME
68%Down payment
Saved₹12.4LMonthly₹15,000TargetMar 2028
SAFETY
70%Emergency reserve
Saved₹3.1LMonthly₹3,500Target6 months
FREEDOM
22%Long-term wealth
Invested₹8.8LMonthly₹20,000Horizon18 years
MB
PERSONAL VAULT
Mukul's orbit
Private · Last synced just now
MONEY CONNECTIONS
INTELLIGENCE
You stay in control
When AutoPilot is on, it can act only inside your signed rules. Master off, a stale feed, a limit breach or a drawdown halt blocks every new order.