Statement imports you can trust
PDF or spreadsheet. Map columns once, review every row.
01 Money
Everyday banking, finally legible
statements in, month explainedMoney is the half of Arvo that watches the cash moving through your accounts: imports, categorisation, insights, budgets, goals and planning. Rules do the work first, AI only fills the gaps, and every number can be traced back to the row it came from.
01How it works
Statement in, answers out
- 01
Import
Bank files, as they are
- 02
Review
Duplicates caught
- 03
Categorize
Rules first, AI last
- 04
Understand
Exact, every time
- 05
Ask
Answers show their data
Import · review · ledgerSeptember upload
Nothing lands until you commit it
1,247
rows in the ledger. The 37 duplicates never made it in, and 96% were categorised by a rule you can read.
four files, one review screen02Features
Everything you need to see your money clearly
Every chart, total and answer comes from the same record of your transactions, calculated the same way every time.
Categorization that follows your rules
Same order every time. AI is the last, optional step.
Analytics without the spreadsheet
Cash flow · categories · net worth across bank, card, cash, broker and loan accounts.
₹0
saved since April. August was the only tight month.
Rent is a third; food beats travel again.
- 01Rent₹29,30034%
- 02Food & dining₹18,96022%
- 03Travel₹13,80016%
- 04Shopping₹12,93015%
- 05Everything else₹11,21013%
₹0
Transfers aren’t spending
Paying your card moves money. It doesn't spend it.
August totals
- Income
- ₹1,45,000
- Expenses
- ₹86,200
- Card payment
- ₹32,400
crossed out of both totals
Category creepSeptember vs 3-month average
Compared against your own habits
+₹6,800
over your three-month average, and ₹9,320 of it is food and travel. Shopping quietly went the other way.
no benchmarks, no strangers' budgetsRecurring chargesDetected from the ledger
The charges that renew themselves
₹4,128/mo
on eleven subscriptions. Two raised their price this year without asking, and one hasn’t been used since May.
found by pattern, not by a list you keep- Netflix₹749↑ ₹649 → ₹749 in Aug · +₹1,200 a year
- Gym₹1,500
- News app₹449
- iCloud₹219
- Spotify₹149↑ ₹119 → ₹149 in Jun · +₹360 a year
- Audible₹199no matching activity · unused 4 months
- 5 smaller charges₹863
11 recurring charges₹49,536 a year
Budget pacingOctober · day 19 of 31
Where the month is, not just where it ended
₹1,00,200
projected for October at today’s pace, ₹10,200 over the ₹90,000 budget, and food & dining is the reason.
rent is already paid, the bar knowsIn progress
Scenarios before big decisions
What if rent goes up by ₹10,000? That's −₹1,20,000 a year.
Can I afford a purchase of
4.1months of buffer
dips, stays above the line
Ask, with receipts
The AI explains numbers Arvo calculated. It never invents them.
Why was my spending higher in August?You spent ₹1,12,000, ₹15,000 more than July. Mostly Travel and Shopping. Rent and groceries were flat.
AI is optional, and a cloud AI is always flagged
- [1]Travel · Goa trip+₹11,800
- [2]Shopping+₹4,100
- [3]Rent, groceriesflat
- 127 txns · 2 accountsCalculated by Arvo
03Planning tools
Plan loans, investments and spending inside Arvo
Tools that work on your own ledger, with every figure computed by formulas, not guessed.
Chapter 01 · Loan plannerOn the roadmap
Monthly EMI
₹34,713
Loan planner
See what prepaying ₹1L a year does to a ₹40L home loan before you commit.
- Interest saved
- ₹16,95,073
- Paid off sooner
- 7 yrs
- Prepay vs invest: at an assumed 10% return, investing instead ends ₹8.8L ahead; prepaying is a certain 8.5%.
- Debt avalanche: clearing a 36% card first saves ₹18,579 over smallest-balance-first.
Illustrative: ₹40,00,000 at 8.5% p.a., 20 years, prepaid yearly; 10% return assumed, taxes ignored. Not financial advice.
GoalsContribution required, not hoped for
What each goal costs you a month
₹57,500/mo
covers the emergency fund and the laptop, inside the ₹64,800 you actually saved in September. Japan needs ₹32,600 more, or a later date.
arithmetic, not encouragementSavings opportunitiesEach one traced to rows
Four small leaks, added up honestly
₹3,180/mo
you could keep (₹38,160 a year) without giving up anything you’d miss.
suggested, never done for you- 01Two subscriptions nothing touchesAudible + news app
- 02Food delivery back to your average18 orders in September
- 03Idle ₹1.2L moved to a sweep depositbalance never dipped below it
- 04Card paid before the due dateinterest charged twice this year
Can I afford it?₹1,80,000 laptop · November
The answer is a line, not a yes
₹98,400
is the low point if you pay cash: three months under your ₹1,50,000 buffer. The no-cost EMI never touches it.
the buffer is yours to set- Committed this month
- 0rows, each one reviewable
- Found for you to keep
- ₹0a year, itemised
- Goals you can fund today
- ₹0a month, two of three
04On the roadmap
Your personal finance manager
- Real math, not vibessavings, pacing & goals from fixed rules
- AI just explainsand shows the data it used
Weekly briefing
Arvo advisor · preview · wk 36
How can I spend ₹5,000 less a month?
- Food delivery−₹2,800₹6,800 this month vs a 3-month average of ₹4,850 (+40%)
- Unused gym membership−₹1,500Charged ₹1,500 every month; flagged as possibly unused for 2 months
- Card late fee and interest−₹900Paid after the due date twice in 3 months
Back each month₹5,200
Budget food delivery at ₹4,000/mo127 transactions · Aug vs May–Jul
- Nothing saved till you stamp itnever moves money
- Every Mondaywhat changed, what needs a decision
Take your finances home.
Open Arvo →
questions? write to vineet.likhitkar@gmail.comSee where your money goes, with numbers you can trace back to the statement line.