# Artha Link : Money Manager — Budget & Save Money with AI > AI-powered Indian money manager for budgeting, savings, and debt tracking. (iPhone/iPad app by Naveen S Choudhary.) - Source: https://appshunter.io/ios/app/artha-link-money-manager/id6759633725 (this page in markdown: same URL + `.md`) - Developer: [Naveen S Choudhary](https://appshunter.io/developer/1759148485) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.1 · 55 MB - Languages: American English - Released: 2026-03-11 - Data updated: 2026-08-07 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/artha-link-money-manager/id6759633725/reviews.md ## What is Artha Link? Artha Link : The AI-Powered Money Manager Built for India Most finance apps weren't built for how Indians spend. Artha understands UPI, tracks in lakhs and crores, recognizes Swiggy, Zomato, and BigBasket, and speaks your financial language. FEEL EVERY RUPEE LEAVE Artha is built around manual entry — on purpose. When you type ₹450 for that Zomato order, you feel it. That two-second pause builds a habit that automatic bank syncs never will. You start noticing. You start spending differently. That's the point. TRACK EVERYTHING - Add income, expenses & transfers in seconds - Multi-account support: Bank, Cash, Credit Cards, UPI Wallets - Swipe-to-delete with haptic feedback - Filter by type, date range, or category - 20+ India-specific categories (or create your own) AI-POWERED INTELLIGENCE - Scan receipts with your camera — AI extracts merchant, amount & date automatically - Chat with your personal AI financial assistant - Ask "How much did I spend on food this month?" and get instant answers - Smart categorization that learns your spending patterns - Compare spending across months with category-level breakdowns DEBT & EMI TRACKING - Track 9 debt types: Bank loans, Gold loans, BNPL, Family/Friend loans, and more - EMI schedule with interest/principal split - Payment history and projected payoff dates - Monthly interest burn calculations CREDIT CARD MANAGEMENT - Track credit limits, utilization & outstanding balance - Available credit at a glance - Due date monitoring with alerts - Minimum payment calculations SAVINGS GOALS - Set financial targets with deadlines - Visual progress tracking - "Monthly needed" calculations to stay on track - Contribute directly from the app BUDGET PLANNER - Set monthly category budgets - Alerts at 80% and 100% thresholds - Track overspending in real-time YOUR DATA, YOUR CHOICE - Cloud sync keeps your data backed up and available across devices - Offline mode available — turn off sync and everything stays on your device only - Full functionality even without internet — no loading spinners, ever - Data syncs automatically when you're back online - No ads. No data harvesting. No advertising profiles. - Compliant with India's DPDP Act 2023 BEAUTIFUL iOS EXPERIENCE - Glassmorphism design with dark mode - Native iOS tab bar and gestures - Haptic feedback throughout - Smooth 60fps animations Your money. Your rules. Terms of Use: https://www.arthalink.tech/terms Privacy Policy: https://www.arthalink.tech/privacy ## Key features - AI-powered receipt scanning - UPI transaction understanding - Manual entry for mindful spending - Debt and EMI tracking - Credit card management - Savings goals with visual tracking - Budget planner with alerts ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Artha Pro | $4.99 | per month | ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/artha-link-money-manager/id6759633725/reviews.md ### 5/5 — Simple expanse tracker *2026-03-22* I have been using the artha link form last 15 days its very simple very intuitive expanse tracker i can just share the screen shot with artha it automatically add that to my expanse which help me keep track of my expanses **Developer response:** Thanks appreciate it ### 5/5 — Artha link *2026-03-11* Nice working **Developer response:** Thanks ## Frequently asked questions about Artha Link ### What makes Artha Link unique for Indian users? Artha Link is specifically built for India, understanding UPI transactions and recognizing local merchants like Swiggy and Zomato. It tracks finances in lakhs and crores, speaking your financial language. ### How does Artha Link encourage mindful spending? The app is designed around manual entry. By requiring you to input each expense, it creates a pause that helps you become more aware of your spending habits, leading to potential changes in behavior. ### Can Artha Link help me manage debt? Yes, Artha Link offers comprehensive debt tracking for 9 different types, including bank loans, gold loans, and BNPL. It provides EMI schedules, payment history, and projected payoff dates. ### Is Artha Link secure and private? Artha Link emphasizes user data privacy, stating 'No ads. No data harvesting. No advertising profiles.' It is also compliant with India's DPDP Act 2023 and offers cloud sync and offline mode for data control. ### Does Artha Link have ads? No, Artha Link is ad-free. The developers explicitly state that there are no advertisements within the application, ensuring an uninterrupted user experience. ### What devices does Artha Link support? Artha Link is available for iOS devices, including iPhone, iPad, and iPod. It features a beautiful iOS experience with native gestures and smooth animations. ### How often is Artha Link updated? The app was last updated on March 31, 2026, with version 1.1.0. This indicates a recent update, suggesting ongoing development and support. ### What are the subscription options for Artha Link? Artha Link offers a 'Artha Pro' subscription at $4.99 per month. This premium tier likely unlocks additional features or removes limitations present in the free version. ## Version history (last 3 releases) ### 1.1.1 — 2026-07-09 A faster, cleaner Artha: • Redesigned add-transaction flow — log an expense in seconds; date, notes and tags tuck away until you need them. • Voice input everywhere — dictate transactions, ask the AI coach, and now search your history by voice. • Clearer Budget screen with a plain-language score summary and streaks. • Log-first onboarding — start tracking immediately; set up accounts when you're ready. • Sharper contrast and accessibility improvements across the app. ### 1.1.0 — 2026-03-31 Budget Planner & Artha Score : Create monthly budgets with per-category spending limits. Track your financial health with the Artha Score (0–100) based on tracking consistency, budget adherence, savings rate, and financial hygiene. Earn streaks and achievement badges for staying disciplined. Daily Activity Heatmap See your spending patterns at a glance with a calendar-style heatmap. Green days mean you stayed on track, red days mean you overspent. Home Screen Widget Glance at today's spending and budget progress without opening the app. Tap to quickly add an expense or scan a receipt. Artha Pro Unlock unlimited AI messages, receipt scans, voice inputs, and model selection with a monthly subscription. Free users get 10 AI messages, 3 scans, and 3 voice inputs per month. Other Improvements - Debt tracking with EMI schedules and payment logging - Savings goals with progress tracking and projections - Credit card management with utilization, due dates, and minimum payment tracking - Smart categorization learns from your spending patterns - Account last-4-digit matching for AI-powered account detection - Dark and light mode support across all screens - Over-the-air updates for faster bug fixes ### 1.0 — 2026-03-11 No release notes. ## Related topics [artha](https://appshunter.io/ios/topics/artha) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-07.*