# arc: AI Budget & Money Planner — Private Zero-Based Budgeting > AI-powered private zero-based budgeting app with secure server deployment. (iPhone/iPad app by QUANTINI OU.) - Source: https://appshunter.io/ios/app/arc-ai-budget-and-money-planner/id6758624900 (this page in markdown: same URL + `.md`) - Developer: [QUANTINI OU](https://appshunter.io/developer/1874017801) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 16.4 · 77 MB - Languages: American English - Released: 2026-02-19 - Data updated: 2026-08-15 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/arc-ai-budget-and-money-planner/id6758624900/reviews.md ## What is arc? Your budget shouldn't live on a spreadsheet. arc transforms the way you manage money. It's the mobile app that Actual Budget users have been waiting for - and the smartest way to track every dollar. Share. Done. Got a bank statement? Share the PDF or screenshot to Arc from any app. AI reads every transaction, categorizes them, and saves them all - in seconds. Or connect to 2500+ bank feeds through actual budgets interface. Goals & Debt, Under Control Set savings goals and watch visual progress rings fill up as you get closer. Track debt with APR estimation and one-tap settlement. Checking, savings, credit cards, mortgages, investments, crypto - all in one place with multi-currency support. Your Server. One Click. Deploy your own Actual Budget server with one tap using Arc Reactor - no terminal, no config files. Your data lives on YOUR server. End-to-end encrypted sync means nobody can read your financial data - not even us. Lock the app with Face ID for extra peace of mind. See the Big Picture Swipe between expenses, income, transfers, accounts, and recurring payments. Rotating insight cards tell you things like "You spent 23% more than last month" or "Tuesday is your biggest spending day." Real intelligence from real data. Works Offline. Syncs When Ready. Arc uses CRDT technology (the same conflict resolution used by Google Docs) to sync changes reliably. Make edits offline - they merge automatically when you reconnect. Import from YNAB in Seconds Magic Switch transfers your entire budget - accounts, categories, payees, transactions, everything - from one server to another. Or import YNAB 4 / nYNAB exports with full fidelity. Privacy. Security. Beautiful Design. Pure black dark theme. Glass-morphism effects. Haptic feedback on every interaction. And a hidden snake game if you know where to look. Download arc and finally enjoy managing your money. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://arc.moi/privacy ## Key features - 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 ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Arc Premium Yearly | $39.99 | per year | | arc Premium Monthly | $4.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | 50 AI Credits | $0.99 | one-time | | 200 AI Credits | $1.99 | one-time | ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/arc-ai-budget-and-money-planner/id6758624900/reviews.md ### 5/5 — Immensely beautiful & Functional *2026-08-01* I was looking for a budgeting app and came across Actual Budget and how it can be hosted locally. The UI wasn’t that good and friendly. But this app changed everything. The UI is beautiful and its interface is friendly to be adapted easily. A future feature that can also read imsgs and automatically add the transaction msgs into Actual db would be great. Thanks a lot. ### 1/5 — Looks Cool, Doesn’t Work *2026-07-28* Bought the app, logged in. But stuck between creating server and verifying subscription ### 5/5 — Finally switched from YNAB *2026-03-01* Finally a great alternative to YNAB at a fraction of cost. Does everything seamlessly and works perfectly on iOS. Great stuff! ### 5/5 — Finally here! *2026-02-20* 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! ## Frequently asked questions about arc ### 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. ## Version history (last 5 releases) ### 1.0.31 — 2026-08-14 • Smoother portfolio: your account history and per-position performance are more accurate and load faster. • Improved how transferred transactions are handled, so your budget stays consistent. • Bug fixes and stability improvements throughout the app. ### 1.0.30 — 2026-08-08 • Lunch Flow now brings your bank transactions into arc automatically, so new spending shows up without manual entry — and it's front and center in Bank Sync. • Invest is more reliable: stocks sync with daily prices, and holdings you keep across multiple accounts are combined into a single position. • Tap any holding to see its price history, or record a trade by its total value instead of unit price. • A cleaner rating flow with a quick way to tell us what you'd like to see. ### 1.0.29 — 2026-08-01 • Redesigned onboarding and managed server setup experience • Structural improvements to make provisioning clearer and more reliable • Improved account restoration after subscription renewal • Refined transaction editing flow ### 1.0.28 — 2026-07-30 • Fixed budget categories drifting from Actual after restart and sync. • Fixed account-add crash for new users with no accounts. • Budget category transactions now match the account transaction view. • Info sheets now close with swipe-down only, with extra close buttons removed. • Improved biometric lock with a glassed view of your last screen. • Removed the unstable Arctic Score feature to improve app stability. ### 1.0.27 — 2026-07-26 • New Arctic Score with weekly momentum, projections, and clearer financial insights • Passkey-first sign-in with passkey management in Settings • Easier bank connection setup from account rows and account details • More reliable managed Actual updates, reconnects, and first-login sync ## Apps similar to arc | App | Rating | Price | Category | | --- | --- | --- | --- | | [Wealthfolio: Private Finance](https://appshunter.io/ios/app/wealthfolio-private-finance/id6732888445) | 5.0 (4) | Free | Finance | | [Envelope Budget - Kualia](https://appshunter.io/ios/app/envelope-budget-kualia/id6466455367) | 4.6 (46) | Free | Finance | | [Actual Budget Spendıng Tracker](https://appshunter.io/ios/app/actual-budget-spendng-tracker/id6747974396) | 4.5 (77) | Free | Finance | | [Lunch Money](https://appshunter.io/ios/app/lunch-money/id6739028463) | 4.7 (42) | Free | Finance | | [Budget & Expense Tracker Monee](https://appshunter.io/ios/app/budget-and-expense-tracker-monee/id1617877213) | 4.9 (297) | Free | Finance | | [MoneyWiz 2026 Personal Finance](https://appshunter.io/ios/app/moneywiz-2026-personal-finance/id1511185140) | 4.6 (2,137) | Free | Finance | ## More apps by QUANTINI OU - [genie: AI Deal Finder](https://appshunter.io/ios/app/genie-ai-deal-finder/id6759876147) All apps by QUANTINI OU: https://appshunter.io/developer/1874017801 ## Related topics [actual budget](https://appshunter.io/ios/topics/actual-budget) --- *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 2026-08-15.*