Daily sadhana
Tap a tile when it is done today.
This week
About to make a money move?
Pause first. Breathe, name the feeling, then decide.
SATHYA WELLNESS SOLUTIONSBy Mukunda Nayak
The four-fold cycle
Kautilya’s Arthashastra describes wealth as moving in four ways: made, kept secure, improved and shared with the deserving. Set your own share for each.
Your shares
Skills, learning and tools that raise your earning.
Your Kosha and near goals.
Your long-term plan.
Seva and offerings.
Monthly check-in
Save a snapshot of this month, then watch the direction over time: declining, steady or growing.
Where your money goes
Kautilya names three pursuits of life: duty, wealth and desire. Place every cost in one of them to see the balance of your life in rupees.
Add a cost
Your three pursuits
Your Kosha
The treasury comes first. Money kept ready for hard times, before anything else.
Occasional costs pot
Add a goal
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 Path
Nine steps, built from the foundation up. Each turns done by itself as your entries show it.
Compounding, made visible
What a starting sum and a regular monthly amount could become.
Year by year
Show the working
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.
Show the working
Keep this scenario
The same monthly amount, started now or later.
Show the working
Keep this scenario
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 seva: Artha (money), Samay (time), Vidya (teaching and skills), Anna and vastu (food and goods), Prakriti (care for nature).
Learn
Education only. Nothing here tells you what to buy or sell. Rules, rates and tax treatment change, so check the official sources listed at the end.
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.
Pause before you act
Decision journal
Pattern so far
Entries
Settings
My saved
Install on your phone
After the first visit it opens without internet.
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 1.1.0
SATHYA WELLNESS SOLUTIONSBy Mukunda Nayak