# arc Money — Budget, banks & stocks > AI-powered personal finance manager with secure, self-hosted data options. (iPhone/iPad app by QUANTINI OU.) - Source: https://appshunter.io/ios/app/arc-money/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 - Rating: 2.00/5 from 1 App Store ratings · 6 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 80 MB - Languages: American English, Dutch, French (France), German (Germany), Italian, Japanese, Brazilian Portuguese, Chinese (Simplified, China), European Spanish - Released: 2026-02-19 - Data updated: 2026-10-31 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/arc-money/id6758624900/reviews.md ## What is arc Money? 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 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 ## 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 | ## Is arc Money safe? Not enough ratings yet to assess arc Money. ## Is arc Money legit? arc Money has limited verification signals. The AppsHunter Legitimacy Score for arc Money is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/arc-money/id6758624900/reviews.md ### 5/5 — Simplifies actual *2026-09-28* 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. ### 2/5 — Nice idea poor execution *2026-09-19* 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. **Developer response:** 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. ### 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 **Developer response:** 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. ### 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 Money ### 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. ## Version history (last 5 releases) ### 1.0.45 — 2026-10-30 Bug fixes ### 1.0.44 — 2026-10-29 Bug fixes and performance improvements. ### 1.0.43 — 2026-10-27 Bug fixes and performance improvements. ### 1.0.42 — 2026-10-19 Bug fixes and performance improvements. ### 1.0.41 — 2026-10-17 What's New • Siri (iOS 27): ask arc for your balances, what you spent this month or on a category, how much is left in a budget, or a quick money overview. Every phrase names arc, like "How much did I spend this month in arc". • Tell Siri to log a transaction, move budget money, record a transfer, mark a bill paid or add to a goal. Siri confirms first, then arc applies it. Settings › Siri & Shortcuts lists every phrase. • arc in eight more languages, in beta: German, Spanish, French, Italian, Dutch, Brazilian Portuguese, Japanese and Simplified Chinese. Pick one in Settings › Appearance › Language. Your categories, payees and amounts stay as you wrote them. • On iPad and unfolded foldables, goals, investment holdings and positions, and the people who owe you open beside the list, as accounts already do. • Recurring payments get a detail pane on iPad: what each one costs a month and a year, the next three charges, past charges, and a way to edit the schedule. Fixes & Improvements • Sign-in, onboarding, the paywall and the share sheet fit the iPhone Duo and iPad: nothing sits under the Duo's front-screen clock column or across the fold, and the keyboard no longer covers a sign-in field below the fold. • Sheets and dialogs no longer turn a landscape iPad back to portrait, and filters, pickers and confirmations open as cards instead of stretching across the screen. • Charts fit their column in account, goal and holdings details. • Logging a transaction from Siri or Shortcuts now waits for arc to confirm, and says so when nothing was logged. • Bug fixes and performance improvements. ## Apps similar to arc Money | App | Rating | Price | Category | | --- | --- | --- | --- | | [AnyMoney - Budget & Expense AI](https://appshunter.io/ios/app/anymoney-budget-and-expense-ai/id6779625289) | 4.4 (5) | Free | Finance | | [Liquid Budget](https://appshunter.io/ios/app/liquid-budget/id6745098482) | 5.0 (31) | Free | Finance | | [Money Manager: MyFuturePlan](https://appshunter.io/ios/app/money-manager-myfutureplan/id6759394656) | 4.0 (1) | Free | Finance | | [Moneko AI: Track & Budget](https://appshunter.io/ios/app/moneko-ai-track-and-budget/id6753925279) | 4.8 (28) | Free | Finance | | [Wealthfolio: Private Finance](https://appshunter.io/ios/app/wealthfolio-private-finance/id6732888445) | 4.9 (7) | Free | Finance | | [Envelope Budget - Kualia](https://appshunter.io/ios/app/envelope-budget-kualia/id6466455367) | 4.6 (47) | 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 [cents for ynab](https://appshunter.io/ios/topics/cents-for-ynab) --- *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 2026-10-31.*