AarthaHow it works
Four steps, and then one number.
This is the whole calculation. It runs every time anything changes, and it is the only thing the app asks you to read.
Step 1
Your month starts on payday
Not on the first. You tell Aartha when you are paid once, and every figure after this is measured from there — which is why a bill due on the 28th and a payday on the 25th are three days apart here rather than in different months.
₹85,000lands, and the cycle opensStep 2
Commitments come out first
Every bill you have entered is taken out of the total the day the cycle opens, not the day it clears. Money that is already promised never appears as money you can spend.
−₹25,298bills and commitments, protectedStep 3
Savings and investments are held back
Whatever you have chosen to put aside is removed too, so saving is not something that competes with your daily spending — it happens before the daily number exists.
−₹25,000set aside before anything elseStep 4
What is left is divided by the days left
That leaves ₹34,702 for the rest of the cycle. Spread across the 19 days until your next payday, today is worth ₹1,029 — and if you spend less than that today, tomorrow's figure goes up on its own.
₹1,029safe to spend today
It is never stale
The number is recalculated, not refreshed.
There is nothing to update and no sync button to press. Each of these changes the figure the moment it happens.
Today's figure drops by what you spent, and the rest of the cycle re-levels.
The protected total changes, and every day after it is recomputed.
The money it needs is reserved, so it stops showing up as spendable.
The cycle closes, the next one opens, and the figure starts again from the new salary.
See it with real data
The demo account is already full.
Salary, bills, goals, investments and a month of spending, so you can see the calculation running rather than read about it. Aartha needs no address to open it.