How to Use MyArthIQ

1. Create your account

Sign up with email or Google. You land on a dashboard that is honest about being empty — nothing is pre-filled with fake data.

Your first stop is Quick Setup, a short checklist that walks you through the five things that make the dashboard useful: profile, accounts, expenses, investments and income.

2. Add your accounts

Bank accounts, credit cards, wallets, fixed deposits and cash. Enter the balance once; you update it when it changes.

MyArthIQ deliberately does not ask for your net-banking credentials. Nothing here needs a bank login, an account aggregator consent, or read access to your statements.

3. Record income and expenses

Set up recurring salary, rent and bills once, then use the Daily Log for everyday spending.

The daily log takes seconds per entry with a two-level category picker, and you can queue several entries and save them together at the end of the day.

4. Bring in your investments

Add assets, portfolio holdings, property and gold. Import a CSV if you already track them in a spreadsheet.

Live prices are fetched for supported instruments, so your net worth moves with the market instead of going stale the day after you enter it.

5. Set goals that mean something

A house, a child's education, retirement. Link the actual assets funding each goal and watch progress update itself.

Every goal is inflation-adjusted using a researched default for its category, so the target is the amount you will really need, not today's price.

6. Track protection

Add insurance policies with cover, premium, nominee and renewal date, so a lapse never catches you out.

Renewal reminders appear on your dashboard and in notifications well before the due date, alongside EMI and card payment alerts.

7. Bring the family in

Invite family members with their own login, or add dependents who have no email at all.

The household head sees the consolidated picture; each member manages their own data. Children can be added as dependents now and given their own login later, keeping all their history.

8. Read the signal

Net worth, cashflow, budget health, goal progress and protection gaps — prioritised, not dumped on you.

The Insights panel surfaces only what needs attention this month, so the dashboard stays a decision tool rather than a wall of numbers.

Do I need to connect my bank account?

No, and you cannot. MyArthIQ never asks for net-banking credentials or account aggregator consent. You enter balances yourself and update them when they change, which means there is no standing read access to your bank.

How long does setup take?

About fifteen minutes for the essentials — profile, one or two accounts, and your main investments. Goals, insurance and family sharing can be added whenever you are ready.

Can I import from a spreadsheet?

Yes. The Import screen accepts CSV files for transactions, assets, liabilities, goals and bank accounts, with a preview so you can fix anything before it lands in your account.

Who can see my family's data?

Only the household head sees the consolidated view. Linked members see their own data and a percentage-level summary of the household, never another member's actual balances.

Is it free to start?

Yes. The free tier covers the core workspace, and there is a no-card free trial of Premium. See the pricing page for what each plan includes.