Indian thought names four purusharthas, the aims a full life holds together: dharma (right conduct), artha (wealth and security), kama (desire and enjoyment) and moksha (freedom).

Artha is not treated as a sin or as the goal. It is a support. Wealth gathered within dharma gives a person the stability to live well and to help others.

The Arthashastra is an ancient Indian treatise on governance and economy, attributed to Kautilya (also called Chanakya). It stresses a healthy treasury, careful records of income and spending, and prudence about risk.

Its four-fold idea (acquire, protect, grow, give to the worthy) was written about the work of governance. This app borrows it as a clear way to organise personal money. The percentages in the app are yours to choose.

• Santosha (contentment): knowing what is enough, so that "more" stops being a reflex.
• Aparigraha (non-grasping): not hoarding or clinging, which helps in letting go of a losing idea.
• Asteya (non-stealing): earning fairly and not chasing shortcuts that take from others.
• Satya (truthfulness): honest records and honest self-assessment.
• Dana and tyaga (giving and release): wealth that circulates.
• Svadhyaya (self-study): reading, reviewing and learning every week.

Indian tradition lists six shadripu that cloud judgement. Each shows up in money decisions:

• Kama (craving): the urge to chase a thrilling gain.
• Lobha (greed): never feeling it is enough.
• Moha (attachment and delusion): holding on to a story about an investment.
• Krodha (anger): trading to win back a loss.
• Mada (pride): overconfidence after a good run.
• Matsarya (envy): comparing with what others earned.

Behavioural finance describes the same patterns as loss aversion, herd behaviour, FOMO and overconfidence. The Journal tab asks you to name the feeling before you act.

Compounding means growth earns growth. A sum that grows by a fixed rate each year gains a larger rupee amount every year, because the base keeps rising.

• Time matters most. Starting earlier lets the same monthly amount compound for more years. The Cost of delay calculator shows it.
• Rule of 72. Divide 72 by the yearly rate to estimate years to double. At 8% that is about 9 years.
• Inflation. Rising prices shrink what a rupee buys. The Growth calculator shows your result in today's rupees.
• Step-up. Raising your monthly amount each year as income grows speeds up the outcome.

A plain description of each. Every one has trade-offs in risk, access to money, cost and tax.

• Savings account and liquid funds: easy access, low growth. Often used for emergency money.
• Fixed deposits and other debt: fixed or predictable interest, with the risk of rates and inflation eroding value.
• PPF: a government-backed long-term savings scheme with a lock-in period and an annual limit.
• NPS: a regulated retirement scheme that can hold both equity and debt, with rules on withdrawal.
• Equity and index funds: part-ownership of businesses. Higher long-term growth potential, and large swings along the way.
• Gold: held as jewellery, coins or funds. It has no income of its own and its price moves.
• Insurance: protection against a large loss. It is separate from investing.

• Risk and return: assets with higher possible growth usually carry larger swings and a chance of loss.
• Diversification: spreading money across different kinds of assets so one event does not decide everything.
• Asset allocation: the split between asset types, set by your goals, time horizon and comfort with swings.
• Rebalancing: returning to your chosen split after prices move. The Wealth tab shows how far each holding drifts from your own target.
• SIP and rupee-cost averaging: investing a fixed amount on a schedule, which buys more units when prices are low and fewer when high.

Artha

Wealth, resources, material security.

Sadhana

A steady daily practice toward a goal.

Sankalpa

A clear, stated intention.

Seva

Selfless service.

Daana

The act of giving.

Santosha

Contentment.

Aparigraha

Non-grasping, not hoarding.

Nishkama karma

Action without attachment to its fruit.

Kosha

Treasury, a store of resources.