Choose a preset
Tap one to use it, or write your own above and save it as a preset.
Weekly sadhana
Tap a tile to read its intent, then mark it done.
This month and recent weeks
This month’s rhythm
Money moves monthly. These four are the heart of the month.
Last 7 weeks
About to make a money move?
Pause first. Breathe, name the feeling, then decide.
SATHYA WELLNESS SOLUTIONSBy Mukunda Nayak
Your monthly income
List each source as an average for one month. The total is your income.
The four-fold cycle
Kautilya describes wealth as moving in four ways: gained, kept safe, improved and shared with the deserving. Here: Sow, Shelter, Grow, Give. Decide your share for each.
When income rises
Monthly check-in
Save a snapshot of this month, then watch the direction over time: declining, steady or growing.
Where your money goes
Place every cost in one of four tiers, from what you cannot skip to what is wanted more than needed. What remains is your surplus.
Add a cost
Your month in five parts
Joy audit
Mark each cost Low, Medium or High joy in its row above. Then see what you could release and what to protect.
Your Kosha
The treasury comes first. Money kept ready for hard times, before anything else.
Occasional costs pot
Add a goal
Start from a common goal, or write your own.
Your goals
Your regular plan
A written, steady plan. Categories only. This app never names a product to buy.
Choose your frame
An illustration of common planning frames, not advice. For your own case, speak with a SEBI-registered investment adviser.
This month’s contribution
Where you stand
Enter what you hold in each category today.
My investment sankalpa
Your three buckets
Money has a time of need. Match each rupee to when you will use it.
Your Path
Nine steps, built from the foundation up. Each turns done by itself as your entries show it.
Lekha: your account book
What you own and what you owe, side by side. Net worth is a mirror of where you stand today. It is not a measure of you.
What you own
Your Kosha from Save is counted for you. Add the rest at today’s value.
What you owe (ṛṇa)
Loans, card balances and money owed to others. Add the monthly instalment to see the end date.
Diwali Lekha: the yearly sitting
Many business families open a fresh account book at Diwali. Close this year’s books here, look back, and set your intention for the next. Any date works.
Your Lekhas
Compounding, made visible
What a starting sum and a regular monthly amount could become.
Year by year
Show as a table
An illustration of arithmetic, not a forecast. Real returns vary, can be negative, and are never guaranteed.
Keep this scenario
The monthly amount that reaches a target by a date.
Keep this scenario
The same monthly amount, started now or later.
Keep this scenario
Your “enough” number: a corpus whose careful yearly withdrawals could cover your costs. A way of thinking, not a promise.
How this is worked out
Saved scenarios
Make an offering
Your monthly seva sankalpa
Offerings
Giving with awareness
The Taittiriya Upanishad teaches giving with faith, with plenty, with modesty, with respect and with understanding. The Gita calls acting without clinging to the fruit nishkama karma. Seva here is a practice of the heart first and a number second.
Kinds of dāna and seva: Artha-dāna (wealth), Samaya-dāna (time), Vidyā-dāna (knowledge), Anna-dāna and Vastu-dāna (food and goods), Prakṛti-sevā (care of nature).
Learn
Seventy-six lessons in nine modules, from the first foundations to advanced practice. Logic and spirituality together. Education only: nothing here tells you what to buy or sell.
Module
Glossary of Sanskrit terms
Official sources to check
- SEBI Investor portal for investor education and registered intermediaries
- AMFI for mutual fund information
- Reserve Bank of India for banking and rates
For advice about your own situation, speak with a SEBI-registered investment adviser.
The abundance wheel
Pūrṇam adaḥ pūrṇam idam: that is full, this is full. Tradition names eight forms of abundance, the Aṣṭa Lakṣmī. Money is only the first. Rate each from 1 (very short) to 5 (full) for .
Tend one this month
Choose one area to give a little extra attention. One is enough.
Scarcity Spotter
When a “not enough” thought arrives, catch it, look at it and answer it. Patañjali calls this pratipakṣa-bhāvanam: cultivating the opposite thought. This is a reflection tool, not therapy. If distress feels heavy, please speak with a professional.
Your reflections
Money stories I inherited
Most of us carry beliefs about money from family and early life. Write one down, see where it came from, and decide whether it still serves you.
My enough
Santoṣa is knowing what is enough. It is not settling for less. It is naming a figure and a life that you can recognise when you reach them.
Review this once a year. Your enough may change as your life does.
Fullness this week
Sampat means abundance. Name three things that are already full in your life this week, and one thing you allowed yourself to receive.
Earlier weeks
Pause before you act
If–then plans
Decide your response before the moment arrives. A plan written as “if this, then I will…” is easier to keep than a wish.
Decision journal
Pattern so far
Entries
Settings
Weekly: one calm sitting. Money stays monthly either way.
My saved
Install on your phone
After the first visit it opens without internet.
Share my practice
A short note about your habits, lessons, seva and fullness. It never contains a rupee amount.
Guided setup
Four short steps to enter your income, costs and Kosha. It replaces your income and spending entries.
Reminders
Installed web apps cannot send dependable notifications, so add a repeating reminder to your calendar instead.
Back up your data
Everything you enter stays in this browser on this device. Nothing is sent anywhere. Because browsers can clear site data, copy a backup now and then.
About Artha Sadhana
A free daily practice for abundance, drawing on Vedic values and the Arthashastra. No sign-up, no ads, no tracking. What you enter stays on this phone.
It is a tool for education, discipline and reflection. It does not give investment, tax or legal advice and does not recommend any product. Calculator results are illustrations based on the numbers you enter. Returns are never guaranteed.
Version 1.4.0
SATHYA WELLNESS SOLUTIONSBy Mukunda Nayak