Personal finance for the web, iPhone, iPad, Mac and Apple Watch
Know what’s safe to spend.
Artha opens on one number: what’s safe to spend for the rest of the month, with the bills still to come already counted. It also shows what that comes to each day, and whether you’re on pace.
Free on the web. In beta on TestFlight for iPhone, iPad, Mac and Apple Watch.
How Artha works
The answer comes first.
Can I afford this? Where did the money go? Each screen opens on the answer and keeps the spreadsheet out of sight. Everything pictured here is the real app.
Plan
A month that adds up before it starts.
Set one budget and Artha splits it into the bills you have to pay, everyday spending and what’s left. Every bill shows whether it’s paid yet, so the rent you haven’t paid still counts.
- Bills paid and still to come, in one list
- A charge from your bank pairs with the bill it pays, so it never counts twice
- Limits per category, only where you want them
Activity
Search the way you’d ask.
Type a name, an amount or a date, or all three: 84.12, $1,200, last week, coffee march. Months work in German, French, Spanish, Portuguese, Italian, Dutch, Bengali and Hindi too, and a week starts on the day your phone says it does.
- A refund takes the spending back off its purchase, even in another currency
- Rules rename and file a merchant the same way every time
- Swipe to delete, with Undo
Receipts and splits
One receipt, two budgets.
Split a Costco run between groceries and shopping, to the cent, and each part counts in its own budget. Attach the receipt photo; if you say yes, Artha reads it and suggests the split for you.
- Photos are saved without their location or other details
- Search finds a purchase by what was on its receipt, once it’s read
- Nothing changes until you choose
Wealth
Everything you own, in the currency you hold it.
Add accounts in any of about 160 currencies and watch net worth over time. Savings in Dhaka stay in taka and a Berlin account stays in euros; the total is in yours.
- Net worth over a month, three months, a year or all time
- A balance you haven’t updated in a month is flagged, never guessed
Apple Watch
Safe to spend, at the register.
Raise your wrist for what’s safe to spend, the month’s pace and the bills coming up. Add a cash purchase from a number pad, and put safe to spend, spent this month or net worth on your watch face.
- Circular, corner, inline and rectangular complications
- Signs in through your iPhone, nothing to type
Everywhere you check
One Artha, on every screen.
The apps for iPhone, iPad, Mac and Apple Watch and the website run on one account, so a number never disagrees with itself. Widgets put safe to spend on your Home Screen and Lock Screen, and Siri can tell you it.
And the details
Down to the cent.
An assistant that asks first
Ask how a month went, or tell it about a purchase. It can suggest a change, and only your tap saves it.
Statements, checked by you
PDF, CSV, OFX, QFX or QIF, even a photo of paper. Rows already in Artha and transfers between your own accounts start unticked.
Apple Pay, logged for you
A shortcut adds each Apple Pay purchase as it happens, waiting for you to confirm it.
Bills that count once
The Netflix charge from your bank and the Netflix bill you track are paired into one. Unpair it any time.
Card payments aren’t spending
Paying off a card isn’t spending twice. Import the card’s statement and its payments stop counting.
A price that changed
A one-off charge doesn’t reset a bill. A new price sticks once you say so, or once it’s charged twice in a row.
Rules you write once
Rename a merchant, pick its category and account, split it by percent, or match one amount, like the $2.99 that’s iCloud.
A heads-up, if you want one
Turn it on and Artha tells you once, early in the month, if spending is running ahead of pace.
Wherever you live
About 160 currencies, statement dates in the main European languages, and weeks that start where you live.
Private by design
Your money is your business.
Artha keeps very little to begin with. It never connects to your bank, and nothing in it tracks you.
Pricing
Safe to spend is free.
Everything you need to run your month costs nothing. Artha Pro adds the parts that do the work for you.
Every feature below, with no time limit.
- Safe to spend, the month’s plan and pace
- Unlimited transactions, accounts and currencies
- Bills, budgets, Wealth, receipts, splits and rules
- Statement files, Apple Pay logging, widgets and Apple Watch
A year, or $9.99 a month. Starts with a one-month free trial. US prices; in most countries Pro costs less, and the App Store shows yours.
- The assistant, which asks before it saves anything
- Receipts, scans and unusual statements read for you
- Scenarios, and reports beyond this month
- Apple Wallet syncing on its own, once Apple turns it on
Pro isn’t on sale yet. During the beta everyone gets it free, and anyone who joins before it goes on sale keeps it free for good.
Questions
What does Artha Pro cost?
Artha is free with no time limit: safe to spend, budgets, bills, accounts, receipts and statement files. Artha Pro adds the assistant, receipts and scans read for you, scenarios, reports beyond this month and Apple Wallet sync, for $9.99 a month or $79.99 a year in the US, after a one-month free trial. It isn’t on sale yet: during the beta everyone has it, and anyone who joins before it goes on sale keeps it free for good.
Does Artha connect to my bank?
No. You add spending yourself, from a statement you review, or from Apple Pay through a shortcut you set up. Artha never asks for a bank login.
How is “safe to spend” worked out?
Your monthly budget, minus what you’ve already spent and the bills still due before the month ends. Divided by the days left, that’s what you can spend each day. It’s only as good as what you’ve entered, so the bills list matters.
Does it work outside the US?
Yes, and people use it in several countries. A purchase keeps the currency it happened in, any of about 160, and totals convert to yours. Statements can have dates in the main European languages, search understands months in eight languages, and your week starts on the day your phone or computer says.
Is there an app?
Yes. Artha for iPhone, iPad, Mac and Apple Watch is in beta on TestFlight, on the same account as the website. Join the beta.
Does the assistant learn from my data?
No. It runs on Anthropic’s API, which doesn’t train on customer data by default, and Artha never opts in. It can suggest changes, but only you can save them.
Is Artha financial advice?
No. It helps you see and plan your own money. For advice about investments, tax or debt, talk to a qualified professional.
Who makes Artha?
Anwar Creative Studio, an independent software maker in California that also makes the email app Corres. Write to support@arthaapp.com and a person reads it.
Know what’s safe to spend.
Free on the web, in beta on iPhone, iPad, Mac and Apple Watch.