arc Money

arc Money

Budget, banks & stocks

1 ratings
6 reviews
Free
In-App Purchases

Details

Released
February 19, 2026
Updated
October 30, 2026

Features

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About

Manage your finances effortlessly with AI-powered transaction categorization and goal tracking. Connect to thousands of banks or share statements directly. Enjoy secure, private data management on your own server with end-to-end encryption.

✓AI transaction categorization
✓Connect to 2500+ banks
✓Set savings goals
✓Track debt with APR
✓Deploy own Actual Budget server
✓End-to-end encrypted sync
✓Offline work with CRDT sync
Show original description
+3

What's New in arc Money

1.0.45

October 30, 2026

Bug fixes

2

Subscriptions & In-App Purchases

Arc Premium Yearly

Personal budget server with encryption and AI Imports

$39.991 Year
7 Days trial
How to cancel arc Money subscription ⁉️

User reviews

Simplifies actual

Found it really complex to deploy the most popular opensource budgeting tool actualbudget.

This app is a game changer, makes it a breeze to deploy, maintain and overall makes it a nice experience for actual.

Nice idea poor execution

The premise of a privacy based budget tracker with the promise of Apple Pay support was quite enticing. However the app is quite clunky and incredibly hard to use. The ui is quite confusing and seems vibe coded and it is a struggle to make it through setup. Once you do the app is quite buggy with basic features such as creating an account to track often don’t work or cause the app to be unresponsive. It’s also important to note if you want Apple Pay support it requires sending your notifications to AI which dosent follow the promise of privacy. Overall I really loved the idea and hoped this app would be able to replace all budget apps but was quite disappointed.
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Response from developer

Thanks for taking the time to write this, and for sticking with setup to the end. We know that took some effort. Every screen in arc was designed by hand, though we accept it doesn't come across that way to everyone. If setup felt like a struggle, that's on us to fix, and we'd like to know which step lost you. About Apple Pay: capture is optional, and you're the one who sets it up. It runs through a Shortcut that you build and control. Only the payment confirmations you point it at are read, so the merchant and amount can be turned into a draft transaction for you to review. Your other notifications are never sent. If you'd rather nothing leaves your device, you can skip it and add transactions yourself. We'd have been happy to explain all this before it became the main point of a review. Adding an account is about as basic as it gets, so if that's freezing the app for you, we really do want to hear about it. Send your device model and iOS version to support@arc.moi and we'll look into it. We're sorry arc wasn't the all-in-one replacement you were hoping for. We'd like the chance to change your mind.

Immensely beautiful & Functional

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.
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Looks Cool, Doesn’t Work

Bought the app, logged in. But stuck between creating server and verifying subscription

Response from developer

Sorry about that. Getting stuck between setting up your server and checking your subscription was a bug on our side, and it's fixed in the latest update. Update arc and sign in again, and your subscription should be picked up without getting stuck. If it still hangs, email support@arc.moi with the address you signed up with and we'll sort it out for you directly. We've also added a free plan since you tried arc. If you'd like to get to know the app before paying, you can start on the free plan and upgrade to paid whenever you're ready.

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!

Developer apps

FAQ

How does arc Money categorize transactions?

arc Money uses AI to read transactions from shared PDFs, screenshots, or connected bank feeds. It automatically categorizes each transaction, saving you time and effort in manual data entry.

What are the security features of arc Money?

arc Money offers end-to-end encrypted sync, ensuring your financial data is private and secure. You can also lock the app with Face ID for an extra layer of peace of mind.

Can I connect my bank accounts to arc Money?

Yes, you can connect to over 2500 bank feeds through the Actual Budget interface. Alternatively, you can share bank statements directly via PDF or screenshot for AI processing.

What are the subscription options for arc Money?

arc Money offers a monthly subscription for $4.99 and a yearly subscription for $39.99, which includes a 7-day free trial. These plans likely unlock premium features beyond the free tier.

Does arc Money work offline?

Yes, arc Money utilizes CRDT technology for reliable offline syncing. You can make edits while offline, and they will merge automatically when you reconnect to the internet.

How does arc Money compare to YNAB?

arc Money offers a 'Magic Switch' feature to transfer your entire budget from YNAB with full fidelity. It also provides AI-driven categorization and the option to deploy your own server.

Is arc Money suitable for managing investments and crypto?

Yes, arc Money supports tracking checking, savings, credit cards, mortgages, investments, and crypto all in one place, with multi-currency support.

What is the update frequency for arc Money?

The latest version of arc Money was released on October 30, 2026, indicating active development. Specific update frequency is not detailed, but the recent update suggests ongoing support.