The private app for zero-based budgets, stocks & crypto, and multi-currency net worth. Sync it to your own Actual Budget server or ours. 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.
Track accounts in any currency with unified net worth tracking.
End-to-end encryption. Biometric lock. We physically cannot decrypt your data, even if forced.
Give every dollar a job. Set targets, track progress visually.
Connect directly to 2,500+ banks across Europe via GoCardless. Automatic transaction sync keeps your accounts up-to-date without lifting a finger.
Your whole portfolio alongside your budget, with live values and gains for equities and crypto.
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.
Net worth tracking, spending trends, category breakdowns. Beautiful charts that make sense of your finances at a glance.
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.
Self-host it for free on a server you control, or let us run a private, encrypted instance for you. Same app, same data. You decide who holds the keys.
Whether you already run Actual Budget or want to start, arc connects straight to your server. Point the app at your URL and everything just syncs.
New to self-hosting?
It means your budget lives on hardware you control: a spare computer at home, a $5/month VPS, or a one-click host like PikaPods. No subscription, no middleman. Your financial data never passes through arc's servers, and you can move or delete it anytime.
Don't want to run a server? We spin up a private, encrypted instance just for you in seconds. It is fully managed, automatically backed up, and always up to date. It also unlocks every AI-powered feature in arc.
Command your finances from a terminal. An AI agent queries, logs, and reconciles the books.
Tap to pay or get a bank text. The transaction lands in your inbox automatically.
Snap a statement or receipt and AI extracts every transaction. Top up anytime.
A private, encrypted instance we run for you. Zero setup, zero maintenance.
Every change is backed up and recoverable, with safe, guided upgrades.
Trends, forecasts and category intelligence that actually guide decisions.
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.
Self-hosted plans get the full native app and Actual Budget sync, free. The AI-powered features above, including auto-import, AI credits, and the agentic CLI, are part of arc Cloud.
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 regionsWith 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.
Point an AI agent at your budget and simply ask. arc's agentic CLI writes the SQL, renders the dashboard, drafts the tax return, and reconciles the books. It works in plain English against your own private, encrypted instance.
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 self-hosted. arc Cloud is the managed option, from $5/mo.
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.