Artho: Money Manager & Budget

Expense tracker, EMI & goals

Free · Designed for iPad. Not verified for macOS.

Track expenses, plan EMIs and hit savings goals — with NPR/multi-currency support and a built-in Bikram Sambat calendar. Free, offline-first, and private. Artho is a complete money manager and budget planner that helps you track expenses, plan EMIs, and reach your savings goals — all in one app. Whether you earn in NPR, INR, USD and more other currencies supported, Artho turns everyday money management into a clear picture of where you stand. WHY ARTHO • Fast expense and income tracking with smart auto-categorization • Budgets and a monthly cash-flow view that actually make sense • EMI and loan planning with a live repayment calculator • Net worth, savings rate and a 0–100 Retirement Score • Multi-currency support for families and workers abroad • Bikram Sambat (BS) / Nepali calendar built in • Private by design — offline-first, PIN lock, one-tap backup EXPENSE & BUDGET TRACKER Log income and expenses in seconds. The Item field auto-fills the category as you type — groceries, rent, salary and more. See monthly cash flow, top spending categories, and vs-last-month comparisons at a glance. AI COACH & SMART INSIGHTS One-tap auto-tagging categorizes months of transactions instantly. Rule-based insights surface spending alerts, savings-rate feedback and net-worth milestones from your real data. LOANS, EMIs & DUE PAYMENTS Plan every EMI, insurance premium and bill in the Financial Calendar with overdue alerts and a total-due summary. Track who owes you and whom you owe in Pay & Due — pick the person straight from your contacts and get phone reminders before, on, and after the due date. PROJECT EXPENSES Keep a renovation, wedding, trip or business venture separate from daily spending. Each project gets its own category list and its own totals. SAVINGS GOALS & RETIREMENT PLAN 7 goal presets (Emergency Fund, Car, House, Retirement, Vacation, Education, Custom) with progress bars, a monthly contribution calculator and expected completion dates. Your Retirement (FIRE) plan auto-saves and syncs to the cloud, surviving reinstalls and new devices. FINANCIAL HEALTH A 5-metric health check — Savings Rate, Debt Ratio, Investment Ratio, Emergency Fund and Insurance Coverage — each rated with personalised guidance, plus an estimated retirement date. MONEY STORY REPORT A monthly narrative report with a savings-streak counter, best income category, top expense and a colour-coded savings rate. MULTI-CURRENCY Switch between NPR, INR, USD, EUR, GBP, AED, AUD, CAD, SGD, JPY, CHF and CNY. Every module shows amounts in your chosen currency — ideal for remittance-supported households. TOOLS INCLUDED Expense tracker • Budget planner • Project expenses • Pay & Due with contact picker • EMI / loan calculator • Net worth tracker • Savings goal planner • Stock journal with live trade totals • Insurance & premium tracker • Salary & overtime log • Split expenses • Month-vs-month & category reports • Export PRIVACY & SECURITY Optional 4-digit PIN lock and one-tap JSON export of all your records. Your data stays yours. Take control of your money with Artho today.

Ratings & Reviews

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The developer, hari sharan subedi, 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 Used to Track You

    The following data may be used to track you across apps and websites owned by other companies:

    • Identifiers
    • Usage Data

  • 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:

    • Location
    • Identifiers
    • Usage Data
    • Diagnostics

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
hari sharan subedi
Size
14 MB
Category
Finance
Compatibility
Requires iOS 15.0 or later.
  • iPhone
    Requires iOS 15.0 or later.
  • iPad
    Requires iPadOS 15.0 or later.
  • iPod touch
    Requires iOS 15.0 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+
Copyright
© 2026 Hari Sharan Subedi
  • Developer Website
  • Privacy Policy

    • More by hari sharan subedi

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