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arc: AI Budget & Money Planner

arc: AI Budget & Money Planner

Private Zero-Based Budgeting

0 ratings
2 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • February 19, 2026
  • July 4, 2026

Features

Developer

Quantini OU
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arc: AI Budget & Money Planner screenshot #1 for iPhone
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🧾$0.99 - $29.99
In-App Purchase↘︎
⭐2
Reviews↘︎
❓8 answered
FAQ↘︎
📦~ in 6 days
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About

This app offers private, zero-based budgeting with AI-powered transaction categorization from shared PDFs or screenshots. It helps manage savings goals, track debt, and consolidate all financial accounts. Users can deploy their own secure server for end-to-end encrypted data sync.

✓AI-powered transaction categorization
✓PDF/screenshot import
✓Connect to 2500+ bank feeds
✓Savings goals and debt tracking
✓Deploy your own secure server
✓End-to-end encrypted sync
✓Offline functionality with CRDT sync
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What's New in arc

1.0.25

July 4, 2026

• Category suggestions now show the real merchant name instead of a cryptic internal ID. • Income and refunds stop masquerading as subscriptions in recurring detection. • Reduce Animations now lives in Appearance settings too, not just the main list. • Behind-the-scenes polish and stability fixes.

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Subscription plans

Arc Premium Yearly

Personal budget server with encryption and AI Imports

$29.991 Year
1 Month trial
How to cancel arc subscription ⁉️
4

In-App Purchases

$0.99

50 AI Credits

Great for trying out AI features

User reviews

Most RecentHighest RatedLowest Rated

Finally switched from YNAB

Finally a great alternative to YNAB at a fraction of cost. Does everything seamlessly and works perfectly on iOS. Great stuff!
Sharan nairSharan nair

Finally here!

Was always actively looking out for a way to use actual budget on my phone, this was the biggest blocker for me. As I had to set a day aside in a week for just going to my mac to enter the data or reconcille actual, but this surely solves those issues. Moreover the share sheet feature lets me import banking screenshots on the fly!
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Lilbunny55Lilbunny55

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FAQ

What is arc's primary function?

arc is a private, zero-based budgeting app that uses AI to categorize transactions from shared PDFs or screenshots. It helps users track spending, manage savings goals, and monitor debt across all their financial accounts.

How does arc ensure user privacy and security?

arc offers end-to-end encrypted sync, meaning only you can access your financial data. Users can also deploy their own Actual Budget server for maximum control and privacy. The app supports Face ID for an additional layer of security.

Can I connect my bank accounts to arc?

Yes, arc allows you to connect to over 2500 bank feeds through Actual Budget's interface. This enables automatic transaction importing and categorization, simplifying your budgeting process.

What are the subscription options for arc?

arc offers a monthly subscription for $3.99 and a yearly subscription for $29.99, both including a 1-month free trial. These plans unlock premium features beyond the free tier.

Does arc have ads?

No, arc does not contain advertisements. The app is designed to provide a clean and uninterrupted user experience focused on financial management.

How does arc handle offline use?

arc utilizes CRDT technology, similar to Google Docs, to ensure reliable syncing. You can make edits and add transactions while offline, and they will merge automatically once you reconnect to the internet.

Can I import my budget from other apps like YNAB?

Yes, arc features a 'Magic Switch' that can transfer your entire budget, including accounts, categories, and transactions, from YNAB. It also supports importing YNAB 4 / nYNAB exports with full fidelity.

What devices does arc support?

Currently, arc is supported on iPhone. The app is designed for mobile use, offering a streamlined experience on Apple's smartphone devices.