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About 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 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

What’s new

Version 1.0.48 · Updated November 3, 2026

Family • Share your budgets with up to 6 people, you included, with arc Premium on an arc Cloud server. • Everyone uses their own phone and sign-in, and never gets your server's password. • Choose all your budgets or only some, and who can edit or only view. • Invite by link or QR code. Check a 2-digit number before you let anyone in. The free plan reads on your phone • 100 free reads a month with Apple's model or a downloaded reader. Past that, captures are saved from the amount and date for you to check. • arc cloud and credit packs are now part of Premium. Credits you already bought keep working. • A purchase in another currency converts at the European Central Bank's daily rate. Old Money • A switch for anyone coming from YNAB: the Budget tab first, a check-in at the top, targets in plain words, Money age and Month Ahead. Also new • Describe it writes rules free and offline with the downloaded reader. • What's New shows again after updates, and a saved edit always lands, even mid-sync. • A capture keeps its own day.

App privacy

The developer, QUANTINI OU, reported these privacy practices to Apple.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers: Device ID

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Financial Info: Other Financial Info
  • User Content: Other User Content
  • Purchases: Purchase History
  • Contact Info: Email Address, Name
  • Identifiers: User ID, Device ID

Used for: Product Personalization, App Functionality

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Identifiers: Device ID

Used for: Developer’s Advertising or Marketing

Alternatives to arc Money

Looking for apps like arc Money? Here are 6 similar apps on the App Store. The highest rated is Liquid Budget (5.0/5), and all 6 are free to download.

arc Money vs. alternatives
App Rating Price Last updated Compare
arc Money 2.0 / 5 (1 rating) Free November 3, 2026
AnyMoney - Budget & Expense AI 4.4 / 5 (5) Free Nov 1, 2026 Compare
Liquid Budget 5.0 / 5 (31) Free Nov 1, 2026 Compare
Money Manager: MyFuturePlan 4.0 / 5 (1) Free Jun 18, 2026 Compare
Moneko AI: Track & Budget 4.8 / 5 (28) Free Oct 22, 2026 Compare
Wealthfolio: Private Finance 4.9 / 5 (7) Free Nov 2, 2026 Compare
Actual Budget Spendıng Tracker 4.3 / 5 (90) Free Nov 2, 2026 Compare

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