Subscription-only · Zero ads · Zero referral bias
Own your story.
Aartha is the personal finance app that works only for you — budgets, credit, rewards, and an AI coach pointed at the life you're building.
Track everything · Ask anything · Trust the answer
The product
Track everything. Feel everything.
These aren't screenshots — they're the real components, running live. Budgets that breathe, credit that explains itself, goals that feel close.
Flex budget
72%
$93 safe to spend today
One number, not thirty categories.
Income − fixed costs − goals. What's left is truly yours to spend.
Category guardrails
Warnings before the overspend.
Green under 80%, amber to 100%, red past it — and a nudge before it happens.
FICO 8 · real score
0
+21 in 90 days
“Pay $410 on your Chase card before the 28th to likely gain ~9 points.”
Credit coaching with zero bias.
We never earn referral fees, so the advice is only ever for you.
0k+
members across the US
$0
average saved per month
0.0★
member rating
$0
referral fees. Ever.
Why Aartha exists
Every other money app is paid to point you somewhere. We are paid by you — so we point at your goals.
Pricing
Honest tiers. No hidden incentives.
FAQ
Clear answers.
Your subscription is our only revenue. No ads, no referral fees, no selling your data. When Aartha recommends a card or an action, there is no financial incentive behind it — that's structural, not a promise.