Comparison

Monacker vs Arc Wealth

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Monacker

Manually track income and expenses with a fast, intuitive interface. Quickly enter transactions, import/export data, and sync securely via iCloud. Customize categories and enjoy a completely ad-free experience.

Highlights
  • Fast transaction entry
  • Import/export CSV data
  • iCloud sync for data safety
  • Customizable categories
  • Ad-free experience
  • Quick app loading
Read full description

Enjoy manually tracking your income and expenses with a simple, quick, liquid glass interface. Enter transactions in less than 5 seconds with a highly optimized transaction entry that shows you similar previous transactions to quickly autofill your transaction description and category Features: * 100% free forever. Tips are optional and always appreciated :) * No ads, no popups, no prompts to review the app, no data collection, no analytics. I created this app for myself and I don't enjoy being bothered so I'm not going to bother anyone else. If I ever stop working on this app, I will open source it * Export all your transactions to csv format in less than 2 seconds. You own your data * Import your existing transactions in csv format. All that's necessary is 5 columns: Description, Category, Amount, Type (Expense/Income), and Date (ISO 8601 format). You can optionally add Color and Icon columns to further customize your categories * All your transactions are synced to your iCloud. With CloudKit integration, all your transactions are safe even if you break your phone * Customize your categories to your liking. If the in-app customization is not sufficient, you can export the colors and icons in your csv file, and import it back in to see your changes. The icons are SF Symbols * Enter transactions fast, seriously fast * Extremely fast app loading. From a cold start, the app is fully loaded and interactable in 0.48 seconds even with my 7600 transactions * Convenience buttons for deleting all your transactions and unused categories so you can export your data, modify it as you wish, delete your data, then import everything again How this app came to be: I've been manually tracking my income and expenses for 10 years now. I've previously manually tracked in a spreadsheet and tried other apps, but I've consistently had gripes with them. I have always wanted to make my dream money tracking app, and the appeal of liquid glass finally pushed me to learn iOS app development to create this. I have tried for a few years to build this but always gave up because the mountain of learning app development was extremely daunting and I kept getting stuck. Now I'm just happy that I have something I can give to the world that I will use myself, and I hope others can use it too. How I recommend people track their money: * The best time to start tracking all your transactions was yesterday * Ensure you have notifications every time you get paid, and for every single transaction that occurs on any of your credit/debit cards and bank accounts * Every time a transaction occurs, track it as soon as possible. I'll usually be tracking my transaction in the checkout line to make sure I don't forget to do so * Feel every monetary transaction so you don't get complacent with money FAQ: Q: How should I categorize an expense that may fit multiple categories? A: Personally I'll just group things into whatever fits best, so I'll generally use "Groceries" for a Costco run, but if I'm buying more decorations or something I may log it as "Household". You can always manually enter multiple transactions for something you pay for. Things even out Q: Can you add xyz way to visualize the data? A: I made the csv export as painless as possible so people can use other better tools for visualizing their transactions. Q: Can you add budgeting features? A: Not currently planned but if enough people email me I might add it :) Q: How can I support you? A: Tip Jar :) Email: alexpyginapps@gmail.com

About

Arc Wealth

Gain financial clarity by manually tracking your net worth, assets, and liabilities. This app offers a private, on-device solution for long-term planning and reflection without linking bank accounts.

Highlights
  • Manual net worth tracking
  • Asset and liability monitoring
  • Financial trend analysis
  • Personal financial planning
  • Encrypted on-device storage
  • Optional iCloud Sync
  • Premium planning tools
Features
Read full description

Arc Wealth is a private net worth and wealth tracker for people who want financial clarity without linking bank accounts. Built for manual entry from the start, Arc helps you track what you own, what you owe, and what you are building over time. See your full financial picture in one place, follow changes month to month, and plan without a transaction feed or budgeting pressure. Track your financial picture • Net worth, assets, liabilities, and recurring expenses • Trends across your full picture, assets, and liabilities • Personal plans for emergency funds, travel, home down payments, and more • Private notes, decision logs, and personal ledgers • Encrypted on-device storage with optional iCloud Sync Arc Premium (available as an optional auto-renewable subscription) includes: • Full Reflections that turn your tracked data into patterns, progress, and personal context • Monthly Readiness to see what is spoken for and what remains open • Debt Paydown to model how extra payments can change your payoff path • Wealth Projection to model future growth using your own assumptions • Additional widgets, custom labels, premium accent palettes, exports, PDF reports, milestone alerts, and expanded tracking limits Why Arc feels different • Manual input only. No bank connections. • Your data stays on your device unless you choose iCloud Sync • Designed for wealth clarity, long-term planning, and private reflection • Calm by design, with no transaction feed to maintain Arc Wealth is designed for personal clarity and planning. It is not financial advice. Terms of Use: https://arcwealth.clearstonestudio.co/#termsofuse Privacy Policy: https://arcwealth.clearstonestudio.co/#privacypolicy

Screenshots

Monacker4 screens
Arc Wealth4 screens

Verdict

The call

The clearest difference is monetization model: Monacker at free against Arc Wealth's freemium. On price, rating, ratings volume and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Monacker sells 7 one-off in-app purchases and Arc Wealth sells 2 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Monacker against 5.0 for Arc Wealth. Both are backed by a comparable volume of ratings — 10 and 4 respectively.

Scorecard1 real difference · 9 level
Monacker versus Arc Wealth: the parameters behind the verdict, then further details
ParameterMonackerArc Wealth
PriceFreeFree
Rating5.0 (10 ratings)5.0 (4 ratings)
Positive reviews100.0% of reviews—
Number of ratings10 — better4
Update frequencyWeekly—
AdsNoNo
In-app purchasesYesYes
MonetizationFree — betterFreemium
DevicesiPhoneiPhone, iPad — better
Requires iOS27.126.0 — better
Further details — not scored
Size8 MB11 MB
Age rating4+12+
DeveloperAlexander PyginOmar Mubarak

Customer experience

Monacker

All ratings10 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews7 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Arc Wealth

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

7 purchases

Monacker

One-time7
  • Survival Tip$0.99
  • Struggle Tip$1.99
  • Stability tip$4.99
Show 4 more
  • Security Tip$9.99
  • Independence Tip$19.99
  • Freedom Tip$49.99
  • Abundance Tip$99.99
2 purchases

Arc Wealth

Subscriptions2
  • Arc Premium7 Days trial$5.991 Month
  • Arc Premium7 Days trial$48.001 Year

Questions

Is Monacker free?
Monacker is free to download, with in-app purchases available.
Is Arc Wealth free?
Arc Wealth is free to download, with in-app purchases available.
Which has better reviews, Monacker or Arc Wealth?
Monacker and Arc Wealth are both rated 5.0 out of 5 on the App Store, from 10 and 4 ratings respectively.
Do Monacker or Arc Wealth have ads?
Neither Monacker nor Arc Wealth shows ads.

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