Artho: Money Manager & Budget

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.

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