Arcata

Arcata is your household's finance book: rent, salary, subscriptions and insurance book themselves, spontaneous expenses are logged in two taps, everything is categorised, and the whole book is shareable with a partner or family over iCloud. No account, no server but your own iCloud — your numbers stay your numbers. Overview • Remaining: what's actually left at month's end, as one number • Income and expenses, split into regular and spontaneous • Spending trend over recent months as a chart • Expenses by category as a pie chart, including regular costs still due • Browse between months, including forward into a forecast Bookings • Log an expense or income in seconds • Quick-capture: hold and drag right on the existing "+" button • Automatic categorisation from the title, learns from your corrections • Filter by month, category or free text — reset with one tap • Outstanding recurring bookings show up ahead of time in the list • Deleting an auto-generated recurring booking asks for confirmation first Recurring Costs & Income • Set up rent, salary, subscriptions and insurance once, then it runs itself • Monthly or yearly, with a start date and an optional end date • Spread out uneven expenses like groceries or gas evenly across the month, instead of all at once on one fixed day • Pause instead of delete when something changes • Export and import as a file, e.g. when switching devices Budgets • Set a monthly limit per category • See the fill level at a glance, warned before a limit is exceeded Savings Tips (Optional) • On request: AI-powered, personalized savings tips based on your spending, with an estimated monthly saving • Choose between OpenAI or right on your device (Apple Intelligence) • Off by default — only visible once you pick a provider in Settings Households, Sharing & Sync • Keep several households side by side and switch with a single tap • Share via iCloud with a partner or family, synced in real time • Available on all your Apple devices No ads, no analytics, no third-party trackers. Savings tips are entirely optional — with no provider chosen, nothing runs through an AI service.