Actual Budget,
on your phone.
The private mobile app for Actual Budget. Your money stays on a server you control: end-to-end encrypted, no ads, no data brokers.
Private & encryptedYour own serverActual Budget sync
Connects to
The private mobile app for Actual Budget. Your money stays on a server you control: end-to-end encrypted, no ads, no data brokers.
160+ currencies in any region, from Zürich to Singapore to São Paulo.
Ten screens from the real app.
A compatible foundation
arc connects to Actual Budget, the open-source budgeting engine. Your budget remains in a system you can self-host, understand, and move on your own terms.
Explore the Actual Budget source(opens in a new tab)Bring transactions in from the sources you choose, then review them before they shape your budget. Set up an iPhone Shortcut from an email alert, select supported banking or payment-app notifications on Android, or import a bank-statement PDF for review and reconciliation.
Use an email-triggered Shortcut on iPhone to turn the alerts you choose into transactions, ready to review in arc.
Select supported alerts from supported banking and payment apps. Available sources vary. If your bank is missing, contact arc and we'll work to add support.
Import a bank-statement PDF, review the extracted transactions, and reconcile them before they land in your budget.
Purpose-built for mobile-first budgeting, with private AI where it helps.
No bank integration? No problem. Share a screenshot or PDF of your bank statement and AI extracts every transaction, then turns your data into private insights.
End-to-end encryption. Biometric lock. We physically cannot decrypt your data, even if forced.
Net worth tracking, spending trends, category breakdowns. Beautiful charts that make sense of your finances at a glance.
Automatically detects and tracks subscriptions. Visualize your fixed costs and predict future cash flow with beautiful interactive charts.
Define a rule once and every transaction sorts itself.
Fully portable: CSV / OFX / QIF in and out, anytime. Your data is never locked in.
AI Features Disclosure: Smart categorization features use Google's Gemini API to analyze transaction descriptions. Only generic transaction text is sent for processing. No personal identifiers, account numbers, or user information is ever transmitted. All AI processing is designed with privacy-first principles. We're actively working on local LLM support for fully on-device processing.
Most budgets look back. arc looks forward. Simulate large purchases, visualize debt payoff dates, and see exactly how today's coffee affects next year's vacation.
Watch your interest payments vanish in real-time.
Embrace your true expenses and break the paycheck-to-paycheck cycle.
Two decisions, not one. First, whether you want Premium. Then, who runs the server. The second one does not change the price.
The whole budgeting app, free, with nothing to pay. There are two ways to run it, and neither one costs anything.
Where it lives, your call
Just this device. No server at all. One budget lives in the phone's own database, so there is nothing to set up and nothing to run. It does not sync.
Your own server. An Actual Budget server on hardware you control: a spare computer, a $5/month VPS, or a one-click host like PikaPods. Syncs to every device you own.
Premium is arc's cloud services: AI statement import, the transaction inbox, portfolio prices, exchange rates, and the agentic CLI. Who runs the server underneath is a separate choice, and it does not change the price.
Where it runs, your call
We deploy it. A private, encrypted instance in about a minute, with backups and upgrades handled.
Bring your own. Keep the Actual Budget server you already run. Backups and upgrades stay yours.
Free is the whole app on a server you run. Premium adds arc's cloud services from $5/mo, and costs the same whether you host it or we do. arc Cloud is that same Premium plan with the server handed to us.
Actual Budget on your phone, built for touch, and usable offline.
Give every dollar a job. Set targets and see where the month went.
Accounts in any currency, with your holdings alongside the budget.
GoCardless, SimpleFIN and Pluggy run on your Actual server, with your own credentials.
Your database stays yours to take, on every plan, forever.
Command your finances from a terminal. An AI agent queries, logs, and reconciles the books.
Tap to pay or get a bank text and it lands in your inbox, through iOS Shortcuts or Android notification capture.
One credit per message
An API key your own tools post into. Anything that can send JSON feeds the same queue.
Snap a statement or receipt and AI extracts every transaction. Premium refreshes the allowance monthly; on Free you buy credits as you need them.
Trends, forecasts and category intelligence that actually guide decisions.
Multi-currency accounts revalued daily, with no manual rate table to keep.
Live equity and crypto quotes, plus daily holdings and activity sync from a Flex statement.
Switch on E2E and not even we can read your financial data.
A household, a business, or side projects. Create as many budgets as you need.
A private, encrypted instance we run for you. Zero setup, zero maintenance.
Needs arc hosting
Every change backed up and recoverable, with guided version upgrades.
Needs arc hosting
Buying Premium never moves it. Upgrading is a plan change, not a migration.
On arc Cloud the server is ours to run
No server at all. One budget lives in the phone's own database, which means nothing to set up and nothing to run, and also no sync.
Included
Not included
Upgrade whenever you like and your accounts, transactions and categories move up with you.
Running your own server costs nothing and always will. Premium is the optional layer on top, at one price whoever hosts it, and managed hosting is the only thing we cannot do on a server we do not run.
Choose arc Cloud and we spin up your private, encrypted server in the region closest to you, including Zürich, Frankfurt, Mumbai, Singapore, and more. No setup or region selection required.
Private regionsMove it the other way whenever you want. The subscription is untouched, because Premium pays for the services and not the hosting. Nothing is re-entered and no history is lost.
This device
Free. One budget, in the phone.
Your server
An Actual Budget server you run.
arc Cloud
A private instance we run.
Connect
arc signs in to both servers and lists what is there.
Download
The budget file comes down from the one you are leaving.
Decrypt
On your device, with your key. Never on ours.
Upload
It goes up to the server you are moving to.
Done
Same budget, same history, new host.
Moving off arc Cloud keeps your plan. Premium is a services entitlement, so only the hosting side changes, and managed hosting, backups and upgrades are what you trade away by taking the server back.
How it works
With 1-click deploy, we spin up your own private cloud. It is not a shared server. It is your own infrastructure. Only you have the key. We physically cannot access your data, even if we wanted to.
EU company (Estonia) · GDPR by default
1-Click Deploy
One click and we spin up your own dedicated cloud infrastructure. It is not a shared database; it is your own isolated environment that belongs entirely to you.
Encryption
Your password acts as the key. It locks your data before it ever leaves your device. We never see your password, so we can never copy your key.
Zero Knowledge
Since everything is locked with your key, your data just looks like random gibberish to us. We store it safely, but we have zero idea what it is.
arc installs as an MCP server, so the agent you already talk to can read and write your budget. It queries the real data, runs the command, and shows you which one it ran.
Works in
How much did I spend on groceries in August, and am I over?
You
arc transactions list --category Groceries --month 2026-08You spent $612.40 against a $550 budget, so you are $62.40 over.
Move $70 from Dining Out to cover it.
Youarc budget set-amount --category Groceries --month 2026-08Done. Dining Out $240.00 to $170.00, Groceries $550.00 to $620.00. August balances again.
Written to your budget
Does Actual Budget have an iOS or Android app?
Not officially. arc is the native mobile app for any Actual Budget server.
Is arc free?
Free forever on your own server. Premium adds the cloud features, from $5/mo, either way.
Can arc read my financial data?
No. End-to-end encrypted on your device. We physically cannot read it.
Can I self-host arc?
Yes. Use a home server, VPS, or PikaPods. arc works with the server you already run.
Free with your own server. iOS & Android.
On desktop? Scan with your phone to get arc.