arc Money vs Node Expense

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 Budget's bank sync. Captures Can Be Free Bank alerts, Apple Pay taps and bank texts turn into transactions on their own. arc cloud can read them, or they can be read for free: by Apple's private cloud on iPhones with Apple Intelligence, or by a reader you download to your iPhone, which works offline so the message never leaves your phone. 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 - 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

Stop the "who owes who" awkwardness. Whether you're splitting dinner, planning a group trip, or tracking personal spending, Node Expense organizes your money while keeping your data private. Powerful group splitting meets intelligent personal budgeting, without the clutter of data-hungry apps. Perfect for roommates, couples, and travelers tracking multi-currency costs. Smart Personal Insights Personalized cards that analyze your spending automatically—no setup required. • Sub Creep: Spot when recurring bills quietly grow over time. • Duplicate Detector: Catch accidental same-day double-entries. • No-Spend Streak: Track consecutive days without logged spending. • Month-End Forecast: Project where you'll land by month's end. Plus 9 more cards covering category dominance, weekend habits, and multi-currency tracking. Business Travel Expense Reports (PRO) Export a professional PDF from any group—itemized expenses with each receipt on its own page, automatic home-currency conversion, a category summary, and a clear total to claim. Effortless Group Splitting & Payments • Pick & Pay (AI-Powered): Snap a receipt and let AI extract itemized lines. Assign items to friends who don't have the app, and share via iMessage, QR, or AirDrop. • Flexible Splits: Split by %, exact amounts, equal shares, or exact quantity—one beer, not five. Exclude members or edit anytime. • Debt Simplification: Minimizes the transactions needed to settle up. • Smart Settlements: Confirm payments in-app without moving actual money. • Payment Reminders: Nudge anyone who owes you, or ask someone to confirm a payment you recorded. • Photo Receipts: Attach receipt photos to any expense. • Smart Refunds: Record a refund on any expense; balances adjust automatically. • Seamless Payments: Settle via links to Venmo, Cash App, PayPal.Me, or Apple Cash—or copy a Zelle, LINE, or WeChat handle to pay elsewhere. • Archive Settled Groups: Hide finished trips without deleting anything. • Group Activity Feed: A full audit trail of every change. • Expense Comments: Discuss any shared expense in its own thread, with alerts on replies. Master Your Budget • Custom Category Budgets: Set spending caps, view live progress bars, and get limit alerts. • Visual Trends: Monitor monthly and yearly patterns to plan ahead. • Recurring Expenses: Manage subscriptions and bills automatically. Power User Features • Smart Receipt Scanning: Snap a receipt to fill in the total, merchant, and category on-device. • Control Center Widgets: Log expenses in a single tap without opening the app. • Widgets & Calendar Sync: Balances, spending, and budget on your Home & Lock Screen and calendar. • Multi-Currency: Seamless tracking for international travel. • Spending Map: Tag places as you type, see where your money went, and search your Top Locations. • Siri & Shortcuts: Ask what you owe or add an expense without opening the app. • Search in Your Own Words: Try "food over $50 last month" (Apple Intelligence, iOS 27). Privacy & Security You Can Trust Built on a Privacy-First architecture—your financial data belongs to you. • No Ads, No Tracking: Zero ads, and no tracking across other apps or websites. • On-Device Storage: Your personal expenses stay on your device via secure SwiftData. No account or sign-up required. • Secure Backups: Encrypted AES-256-GCM backups with keys stored in your private iCloud Keychain. • Full Portability: Export your history as JSON, CSV, or PDF whenever you want. Why Choose Node Expense? • Built for iPhone, iPad & Mac: A native experience on every device. • Free Tier: 15 individual expenses per month, plus a 14-day trial of group expenses and secure backups. Includes location tagging and manual calendar sync. • PRO Subscription: Unlimited group & individual expenses, category budgets, encrypted backups, full exports, and business travel expense reports. Your PRO license syncs across all your devices with Sign in with Apple. Start with a 1-month free trial.