Artha - AI Chartered Accountant Platform

Your Personal AI CA for Comprehensive Financial Management

Artha is a sophisticated AI-powered Chartered Accountant platform that revolutionizes how you manage your finances. Built with modern web technologies, it provides chat-driven ITR filing, intelligent investment advice, goal-based financial planning, and comprehensive asset management.

✨ Key Features

🤖 AI-Powered Conversations

• Chat-Driven ITR Filing: Complete tax filing through natural conversation
• Financial Advisory: Personalized investment and tax optimization guidance
• Voice Assistant: Hands-free financial planning and queries
• Persistent Memory: AI remembers your financial context and preferences

💰 Comprehensive Financial Management

• Asset Management Hub: Secure vault for all financial documents and reports
• Goal-Based Planning: Track and achieve your financial milestones
• Portfolio Analysis: Real-time investment tracking and rebalancing suggestions
• Tax Optimization: Maximize savings through intelligent tax planning

🔗 Smart Integrations

• Fi MCP Integration: Connects with your real financial data
• Automated Data Sync: Bank accounts, investments, EPF, credit scores
• Document Processing: AI extraction from financial documents
• Export Generation: CA-ready reports and tax filing packages

🎮 Gamified Experience

• XP System: Earn points for good financial habits
• Achievement Badges: Track milestones and accomplishments
• Streak Tracking: Build consistent saving and investing habits
• Peer Comparisons: See how you stack up against similar profiles

🚀 Quick Start

Prerequisites

• Node.js 18+ and npm
• Supabase account for database and authentication
• Fi Money account for financial data integration (optional)

1. Clone and Install

git clone <repository-url>
cd artha
npm install

2. Environment Setup

Create a .env.local file:

# Supabase Configuration
NEXT_PUBLIC_SUPABASE_URL=your_supabase_project_url
NEXT_PUBLIC_SUPABASE_ANON_KEY=your_supabase_anon_key
SUPABASE_SERVICE_ROLE_KEY=your_service_role_key

# AI Integration (Optional)
OPENAI_API_KEY=your_openai_api_key
ANTHROPIC_API_KEY=your_anthropic_api_key

# Fi MCP Integration (Optional)
FI_MCP_API_KEY=your_fi_mcp_api_key
FI_MCP_BASE_URL=https://api.fi.money

3. Database Setup

Set up your Supabase database by running the migration file in your Supabase SQL Editor:

1. Run Main Migration: supabase-sql/01-create-artha-schema.sql

   • Creates all necessary tables (profiles, goals, achievements, user_gamification)
   • Enables Row Level Security (RLS) with user-specific policies
   • Adds performance indexes and automatic timestamp triggers
   • Sets up complete schema with validation constraints

2. Verify Setup: Use the verification queries in supabase-sql/README.md

📋 See supabase-sql/README.md for detailed migration documentation and schema overview.

4. Start Development

npm run dev

Open http://localhost:3000 to access the platform.

5. Start Using Artha

1. Sign up for a new account at /auth/sign-up
2. Verify your email and confirm your account
3. Start chatting with Artha AI for financial guidance!

📖 Platform Overview

Core Pages

Chat Interface (/dashboard)

• Main conversational interface with Artha AI
• Quick action buttons for common tasks
• Voice input and file attachment support
• Real-time AI responses and guidance

Assets Hub (/dashboard/assets)

• Portfolio breakdown and analysis
• CA Export Packs (ITR packages, investment reports)
• Document vault with secure storage
• Financial health metrics

Goals Tracker (/dashboard/goals)

• Financial goal creation and tracking
• Progress visualization with charts
• AI-suggested goals based on your profile
• Monthly SIP and deadline management

Chat History (/dashboard/history)

• Previous conversations with Artha
• Searchable and categorized conversations
• Export conversation transcripts
• Resume previous financial discussions

🏗️ Technical Architecture

Frontend Stack

• Next.js 15 with App Router for modern React development
• TypeScript for type-safe development
• Tailwind CSS for responsive, beautiful UI
• shadcn/ui for consistent component library

Backend & Data

• Supabase for database, authentication, and real-time features
• Single-user architecture with row-level security
• React Query for intelligent data fetching and caching
• Server Actions for secure backend operations

AI & Integrations

• OpenAI/Anthropic for conversational AI capabilities
• Fi MCP for real financial data integration
• Document AI for processing financial documents
• Voice APIs for speech-to-text and text-to-speech

Database Schema

profiles (user profiles)
├── goals (financial/habit/milestone goals with XP system)
├── achievements (AI-generated personalized rewards)
└── user_gamification (XP, levels, streaks, statistics)

🏗️ Simplified Architecture:

• Single-user model with row-level security
• Flexible goals system supporting financial targets, habits, and milestones
• AI-driven achievements that adapt to user behavior
• Gamification layer with XP, levels, and streak tracking

🎯 Upcoming Features

Short-term Roadmap

• Advanced ITR Filing: Complete Form 16, capital gains processing
• Investment Advisory: Automated portfolio rebalancing
• Tax Scenario Planning: "What-if" tax calculations
• Mobile App: Native iOS and Android applications

Long-term Vision

• Multi-language Support: Hindi, Tamil, Telugu, and more
• Financial Marketplace: Insurance, loans, and investment products
• Collaborative Planning: Family financial planning features
• Advanced Analytics: Detailed financial insights and projections

🤝 Contributing

We welcome contributions to make Artha even better! Please read our contributing guidelines and submit pull requests for any improvements.

📄 License

This project is licensed under the MIT License - see the LICENSE file for details.

🔒 Security & Privacy

• Bank-grade security with end-to-end encryption
• Zero data selling - your financial data stays private
• Compliance with Indian financial regulations
• Regular security audits and vulnerability assessments

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Built with ❤️ for the Indian financial ecosystem

For support or questions, reach out to our team or check the documentation in the /docs folder.