Your Complete Financial Life,
Intelligently Managed
From salary and savings to investments, insurance, taxes and goals — Aranidhi gives individuals and families a unified AI-powered command center for every rupee.
What You Get
- Unified account & investment view
- AI-powered budgeting & spending alerts
- Tax planning & ITR filing support
- Goal-based financial planning
- Family wealth consolidation
Average Net Worth Tracked per User
Reduction in Tax Prep Time
Auto-detects Overspend in Real-time
Financial Projections & Planning
Net Worth Dashboard
Your Complete Wealth Picture — Updated Live
See your total net worth across every asset — savings, FDs, equity, mutual funds, real estate, gold, PPF, EPF, and more — in one unified dashboard. Updated automatically every time a transaction comes in.
- Equity, MF, NSDL/CDSL demat holdings pulled live
- Real estate and physical assets with current market value
- All liabilities — home loans, car loans, credit cards — subtracted automatically
- 5-year net worth projection based on your actual income and savings rate
- Compare your wealth trajectory to your financial goals
AI Budgeting
Budgets That Actually Work — Because AI Builds Them From Your Data
Traditional budgeting apps make you enter data manually. Aranidhi reads your bank statements, classifies every transaction automatically, and builds a budget that reflects how you actually spend — then alerts you before you overspend.
- Auto-categorizes every transaction — groceries, dining, EMIs, rent, SIPs
- AI detects unusual spending patterns and sends smart alerts
- Month-over-month spending trends with drill-down by category
- Income vs. expense ratio analysis with savings optimization suggestions
- Goal-linked budgets — vacation, home down payment, education
Tax Intelligence
File Your Taxes Confidently. Let AI Do the Calculation.
Aranidhi connects to AIS, 26AS, GSTN and your investment accounts to compute your exact tax liability across all income heads — salary, rental, capital gains, business income — and recommends the optimal regime.
- Auto-imports AIS and 26AS — no manual data entry
- Capital gains computation across equity, MF, real estate and gold
- Old vs. New regime optimizer with exact savings shown
- Tax-loss harvesting suggestions based on your portfolio
- Filing-ready summary — hand to your CA or file directly
Investment Tracking
Every Investment. Every Asset Class. One View.
Track your equity portfolio, mutual funds, NPS, PPF, EPF, FDs, real estate, gold, sovereign bonds, and even crypto — all in one place, with live P&L, XIRR, and benchmark comparison.
- Live P&L and XIRR across all investment types
- Benchmark comparison — how your portfolio fares vs Nifty 50, Sensex
- Dividend and interest income tracking and reconciliation
- Consolidated XIRR across your full portfolio
- SIP tracking with projected corpus at different return assumptions