{
 "name": "Artho: Money Manager & Budget",
 "tagline": "Artho is a complete money manager and budget planner that helps you track expenses, plan…",
 "description": "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.\n\nWHY ARTHO\n• Fast expense and income tracking with smart auto-categorization\n• Budgets and a monthly cash-flow view that actually make sense\n• EMI and loan planning with a live repayment calculator\n• Net worth, savings rate and a 0–100 Retirement Score\n• Multi-currency support for families and workers abroad\n• Bikram Sambat (BS) / Nepali calendar built in\n• Private by design — offline-first, PIN lock, one-tap backup\n\nEXPENSE & BUDGET TRACKER\nLog 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.\n\nAI COACH & SMART INSIGHTS\nOne-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.\n\nLOANS, EMIs & DUE PAYMENTS\nPlan 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.\n\nPROJECT EXPENSES\nKeep a renovation, wedding, trip or business venture separate from daily spending. Each project gets its own category list and its own totals.\n\nSAVINGS GOALS & RETIREMENT PLAN\n7 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.\n\nFINANCIAL HEALTH\nA 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.\n\nMONEY STORY REPORT\nA monthly narrative report with a savings-streak counter, best income category, top expense and a colour-coded savings rate.\n\nMULTI-CURRENCY\nSwitch 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.\n\nTOOLS INCLUDED\nExpense 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\n\nPRIVACY & SECURITY\nOptional 4-digit PIN lock and one-tap JSON export of all your records. Your data stays yours.\n\nTake control of your money with Artho today.",
 "url": "https://debuts.app/apps/artho-money-manager-budget",
 "category": "Finance",
 "platforms": [
  "iPhone and iPad"
 ],
 "pricing": "free",
 "use_cases": [],
 "audience": [],
 "links": {
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  "google_play": null,
  "website": "https://artho.web.app"
 },
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 "maker": "hari sharan subedi",
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