Artha Link : Money Manager

Budget & Save Money with AI

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Artha Link : The AI-Powered Money Manager Built for India Most finance apps weren't built for how Indians spend. Artha understands UPI, tracks in lakhs and crores, recognizes Swiggy, Zomato, and BigBasket, and speaks your financial language. FEEL EVERY RUPEE LEAVE Artha is built around manual entry — on purpose. When you type ₹450 for that Zomato order, you feel it. That two-second pause builds a habit that automatic bank syncs never will. You start noticing. You start spending differently. That's the point. TRACK EVERYTHING - Add income, expenses & transfers in seconds - Multi-account support: Bank, Cash, Credit Cards, UPI Wallets - Swipe-to-delete with haptic feedback - Filter by type, date range, or category - 20+ India-specific categories (or create your own) AI-POWERED INTELLIGENCE - Scan receipts with your camera — AI extracts merchant, amount & date automatically - Chat with your personal AI financial assistant - Ask "How much did I spend on food this month?" and get instant answers - Smart categorization that learns your spending patterns - Compare spending across months with category-level breakdowns DEBT & EMI TRACKING - Track 9 debt types: Bank loans, Gold loans, BNPL, Family/Friend loans, and more - EMI schedule with interest/principal split - Payment history and projected payoff dates - Monthly interest burn calculations CREDIT CARD MANAGEMENT - Track credit limits, utilization & outstanding balance - Available credit at a glance - Due date monitoring with alerts - Minimum payment calculations SAVINGS GOALS - Set financial targets with deadlines - Visual progress tracking - "Monthly needed" calculations to stay on track - Contribute directly from the app BUDGET PLANNER - Set monthly category budgets - Alerts at 80% and 100% thresholds - Track overspending in real-time YOUR DATA, YOUR CHOICE - Cloud sync keeps your data backed up and available across devices - Offline mode available — turn off sync and everything stays on your device only - Full functionality even without internet — no loading spinners, ever - Data syncs automatically when you're back online - No ads. No data harvesting. No advertising profiles. - Compliant with India's DPDP Act 2023 BEAUTIFUL iOS EXPERIENCE - Glassmorphism design with dark mode - Native iOS tab bar and gestures - Haptic feedback throughout - Smooth 60fps animations Your money. Your rules. Terms of Use: https://www.arthalink.tech/terms Privacy Policy: https://www.arthalink.tech/privacy

Ratings & Reviews

  • This app hasn’t received enough ratings or reviews to display an overview.

Budget Planner & Artha Score : Create monthly budgets with per-category spending limits. Track your financial health with the Artha Score (0–100) based on tracking consistency, budget adherence, savings rate, and financial hygiene. Earn streaks and achievement badges for staying disciplined. Daily Activity Heatmap See your spending patterns at a glance with a calendar-style heatmap. Green days mean you stayed on track, red days mean you overspent. Home Screen Widget Glance at today's spending and budget progress without opening the app. Tap to quickly add an expense or scan a receipt. Artha Pro Unlock unlimited AI messages, receipt scans, voice inputs, and model selection with a monthly subscription. Free users get 10 AI messages, 3 scans, and 3 voice inputs per month. Other Improvements - Debt tracking with EMI schedules and payment logging - Savings goals with progress tracking and projections - Credit card management with utilization, due dates, and minimum payment tracking - Smart categorization learns from your spending patterns - Account last-4-digit matching for AI-powered account detection - Dark and light mode support across all screens - Over-the-air updates for faster bug fixes

Version 1.1.0

The developer, Naveen S Choudhary, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Contact Info
    • Identifiers

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Contact Info
    • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Naveen S Choudhary
Size
  • 56 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPad
    Requires iPadOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
Copyright
  • © 2026, naveen s choudhary
  • Privacy Policy

    • You Might Also Like