Artho

Artho — Your Complete Personal Finance Manager

Artho (अर्थ) is a free, all-in-one personal finance app designed for people who want full clarity over every corner of their financial life — not just income and expenses, but salary, assets, investments, insurance, loans, remittances, and more.

Most finance apps only do half the job. Artho goes further.

9 BUILT-IN MODULES

💰 Income & Expenses
Log every source of income and categorise all spending. See where your money goes with monthly breakdowns and visual charts.

💸 Pay & Due
Track loans you've given, money you owe, and EMI schedules. Never miss a payment or forget who owes you.

🍽️ Splitwise
Split restaurant bills, trip costs, and shared expenses with friends or flatmates. Track who paid and settle balances easily.

⏱️ Overtime
Record extra hours worked and auto-calculate your overtime pay based on your hourly rate. Generate monthly OT summaries.

🏦 Salary
Store monthly salary records, track deductions, and monitor how much you save from each paycheck.

✈️ Remittance
Log international money transfers with exchange rates, fees, and recipient details — perfect for tracking money sent abroad.

🏠 Assets
Track your physical and financial assets — property, vehicles, gold, and investments — with purchase value and current worth.

📈 Stock Journal
Maintain a personal trade diary with buy/sell entries, P&L calculations, win rate, emotion tracking, and strategy notes.

🛡️ Insurance
Record all your insurance policies, premium due dates, coverage amounts, and maturity values in one organised place.

FINANCIAL FREEDOM CALCULATOR
Plan your path to financial independence with the built-in FIRE (Financial Independence, Retire Early) calculator. Enter your savings rate, monthly expenses, and investment return to see exactly when you can retire — with milestone tracking and scenario planning.

SMART REPORTS
Export professional PDF reports for all 9 modules, complete with charts and summaries. Share or archive your financial data anytime.

BUDGET TRACKER
Set monthly budgets by category and track your spending against them in real time.

MULTI-CURRENCY SUPPORT
Works with 12 currencies including NPR, INR, USD, AED, QAR, SAR, GBP, EUR, AUD, CAD, SGD, and MYR — ideal for expats and migrant workers.

WHY ARTHO?

✅ 100% Free — no subscriptions, no paywalls, no ads
🔒 Private & Secure — your data is encrypted in transit and stored on Firebase; never sold or shared
🌐 Cross-Platform — Android, iOS, and web; all data syncs across devices with one account
⚡ Fast & Offline-Ready — local caching means the app works even without a stable connection
🌙 Dark & Light Mode — comfortable on any screen at any time

THE NAME
Artho (अर्थ) is a Sanskrit and Nepali word meaning wealth, purpose, and meaning. Because money isn't just numbers — it's a tool for building the life you want.

Built by an independent developer from Nepal 🇳🇵, designed for South Asians and expats who manage money across borders and need one app that handles it all.