Spending and budgets
Every purchase sorted, every budget tracked. Ask where the money went and get a straight answer.
October budgets17 days left2 of 3 on track
- Groceries$412 of $600
- Dining$318 of $300
- Transport$96 of $200
Personal finance, in conversation
Talk to your money.
Arc is a personal finance assistant you chat with. It keeps an eye on your banks, cards, loans and investments, and tells you what matters: before a bill goes out, when a charge looks wrong, when a paycheck is late.
Chat on
- Web
- WhatsAppSoon
- SMSSoon
Arc
Did anything weird happen this week?
Two things. Netflix charged you $15.49 twice on Tuesday. And your electric bill came in at $142.80, well above your usual.
Needs your OK
Mark the second Netflix charge as a duplicate- Netflix · Tue, Oct 13$15.49
Arc now
Heads-up: rent goes out tomorrow. You’ll have $1,240 left after.
Everything in one place
All your money. One conversation.
Link your banks, cards, loans and investments through Plaid. Arc keeps track of spending, budgets, bills, subscriptions, income and net worth, and you can ask about any of it.
Bills and subscriptions
Every bill and subscription in one list, a heads-up before each one, and a flag when a new one appears or a price changes.
Coming upNext 30 days6 bills
- Car insurance$128.00Fri, Oct 16
- Spotify$12.99Mon, Oct 26 Up $1.00
- Paramount+$7.99Fri, Oct 30 New
- Rent$1,850.00Sun, Nov 1
Income and net worth
Paychecks, balances, loans and investments add up to one number, and Arc tells you when a paycheck is late.
Net worthAll accounts+2.1% this month
$48,210- Paycheck+$2,640.00Thu, Oct 1 On time
How it works
It speaks up, so you don’t have to check.
A short note each morning, a review each week, and a one-line heads-up when something needs you. Here is a week with Arc.
-
Mon · 7:30 AM
A short daily note
What happened yesterday and what’s coming up, in a few lines.
Daily note
Morning. You spent $46.20 yesterday, mostly groceries. Your phone bill, $65.00, goes out Thursday.
-
Tue · 12:04 PM
Flags odd charges
Duplicate or unusual charges get flagged the day they show up.
- Netflix$15.49Tue, Oct 13
- Netflix$15.49Tue, Oct 13 Looks like a duplicate
-
Wed · 6:00 PM
A heads-up before bills
One line, a day or two ahead, so nothing lands by surprise.
Arc 6:00 PMHeads-up: car insurance, $128.00, goes out Friday. You’re covered.
-
Thu · 9:15 AM
Catches new subscriptions
New subscriptions and price changes, noticed for you.
Spotify went up a dollar this month, and there’s a new one: Paramount+.
- Spotify$12.99Was $11.99 Price change
- Paramount+$7.99Monthly New
-
Fri · 10:30 AM
Warns before it’s tight
A late paycheck or a balance heading too low, said early.
CheckingNext 7 daysPaycheck late
Your paycheck usually lands by now. If it’s late, checking dips to $180 by Monday.
-
Sun · 7:00 PM
A weekly review
How the week went, and one or two changes worth making.
Your weekOct 12 – 18Less than usual
$612.40 spentNeeds your OK
Set a Dining budget of $350 a month
You stay in charge
Nothing changes without your yes.
Arc suggests, sorts and flags. When it wants to change something, it asks first, and every number it gives you can be traced to the transactions behind it.
- Every change is a card you approve. Recategorize a purchase, set a budget, mark a duplicate: Arc proposes, you tap Approve or Not now.
- Every figure links to its transactions. Tap any amount Arc mentions to see exactly what makes it up.
Needs your OK
Move 3 Blue Bottle purchases to Coffee- Blue Bottle · Oct 12$6.50
- Blue Bottle · Oct 9$5.75
- Blue Bottle · Oct 6$6.50
Dining came to $318.40 this month.
$318.40Dining · October · 12 transactions
- Lucia’s$86.40Thu, Oct 8
- Joe’s Pizza$22.00Sat, Oct 10
- Sweetgreen$14.20Mon, Oct 12
+ 9 more
Privacy
Private by design.
Your finances are as personal as data gets. This is exactly how Arc treats them.
The AI keeps nothing
The AI runs with zero data retention: the model provider stores none of what it sees.
Never sold. No ads.
Arc never sells your data, shows no ads and runs no analytics trackers.
Your own key
Your data is encrypted with its own key, unique to you.
See what the AI saw
A privacy log in Settings shows exactly what was sent to the AI.
Export anytime
Download everything Arc holds about you, whenever you want.
Delete means gone
Delete your account and it’s gone: Plaid access revoked, keys destroyed.
Privacy logSettings › PrivacyZero retention
- Daily noteToday, 7:30 AMSent: 3 balances, 14 transactions
- You asked about diningYesterdaySent: your question, 12 transactions
- Duplicate checkTueSent: 2 transactions
- Weekly reviewSunSent: 58 transactions, 4 budgets
Kept by the AI provider Nothing
Chat with Arc where you already are.
- Web appAvailable now
- WhatsAppComing soon
- SMSComing soon
- Mobile appLater
Pricing
One plan. Everything in it.
One yearly price for everything Arc does. No ads, and your data is never for sale.
Questions
How does Arc connect to my accounts?
Through Plaid, which links your banks, cards, loans and investments. Deleting your Arc account revokes that access.
Will Arc change anything without asking?
Not unless you say so. Every change it proposes, like recategorizing a purchase, setting a budget or marking a duplicate, is a card you approve. If you get tired of approving one kind of change, you can let Arc make that kind directly, and switch it back any time.
What does the AI see, and who keeps it?
The AI runs with zero data retention, so the model provider keeps nothing. The privacy log in Settings shows exactly what was sent.
Where can I use Arc?
In your browser today. WhatsApp and SMS are coming soon, and a native mobile app after that.
What if I want to leave?
Export everything at any time. Delete your account and it’s gone: Plaid access revoked, encryption keys destroyed.
ArcEverything included
$99/year
About $8.25 a month
- Banks, cards, loans and investments through Plaid
- Spending, budgets, bills, subscriptions, income and net worth
- A daily note and a weekly review
- Heads-ups before bills, flags on odd charges, late-paycheck and low-balance warnings
- Every change approved by you, every figure linked to its transactions
- Zero-retention AI, a privacy log, export and delete anytime
Billing isn’t switched on yet. Paid plans open soon.