Personal finance for the web, iPhone, iPad and Mac
Know what’s safe to spend.
Artha opens on one number: what you can spend today and still end the month on plan. It counts the bills still to come, notices the ones you forgot to track, and shows in a single line whether you’re on pace.
Free on the web. In beta on TestFlight for iPhone, iPad and Mac.
You can spend $64 a day until the 31st and still finish October on plan.
How Artha works
Every number answers a question you actually have.
Can I afford this? Am I on track this month? Where did it all go? Artha puts the answer first and keeps the spreadsheet out of sight.
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. Category limits are suggested from what you actually spend, not from a template.
- Bills paid and still to come, in one list
- Limits per category, only where you want them
- Over a limit shows in amber: information, not a scolding
Adding money
Type what it was. Artha does the filing.
Enter an amount and a few words, and Artha picks the category. Import a bank or card statement and every row waits for you to check before anything is saved. The file itself is never stored.
- Apple Pay purchases can log themselves, through a shortcut you set up
- Search, filter, swipe to delete with Undo
- Kept to the cent, in any of about 160 currencies
Assistant
Ask in plain words. Nothing changes until you say so.
Ask how a month went, or tell it about a purchase. The assistant can log and fix things for you, but every change waits for your own tap. It never touches your account on its own.
- Answers from your own numbers, not general advice
- Every suggested change shown before it’s saved
- Your data isn’t used to train AI models
Wealth
Everything you own, in the currency you hold it.
Add accounts in any of about 160 currencies and see net worth over time. When a balance hasn’t been touched in a month, Artha asks you to confirm or update it, so the total stays honest.
- Net worth over time, not just today
- Stale balances flagged, never guessed
Everywhere you check
One Artha, on every screen.
The website and the apps run on the same account, so a number never disagrees with itself. Widgets put what’s safe to spend on your Home Screen and Lock Screen.
Private by design
Your money is your business. Not ours.
Artha is built so there’s very little to protect in the first place: no bank connection, no trackers, nothing to sell.
Pricing
Free, while it grows.
- Safe to spend, the month’s plan and pace
- Statement import, the assistant and Wealth
- The iPhone, iPad and Mac beta, with widgets
If paid plans ever arrive, you’ll hear first, and nothing is charged unless you choose it.
Questions
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?
From your monthly budget, what you’ve already spent, and the bills still due before the month ends, spread over the days left. It’s only as good as what you’ve entered, so the bills list matters.
Is there an app?
Yes. Artha for iPhone, iPad and Mac 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 company 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 and Mac.