arc: AI Budget & Money Planner
Private Zero-Based Budgeting
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
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 budgets interface.
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 using Arc Reactor - 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
more Release Note
Added support for connecting to local/private BYOB Actual servers without SSL.
Improved URL handling for LAN addresses like 192.168.x.x, localhost, and .local.
1.0.19 6d ago
Release Note
Improved account setup reliability during onboarding.
1.0.18 May 23
What's New
Complete UI revamp across the main app, settings, charts, and transaction flows
Demo mode now opens as a read-only snapshot on fresh install, with a floating exit control
Recurring payments now have a dedicated manager with edit, post, complete, and recurring-marker support
Actual server version management now covers compatibility checks, managed upgrades, backups, and health checks
Fixes & Improvements
Net worth history chart now renders more reliably and spaces x-axis dates by calendar time
Recurring schedule amounts display correctly after imports, including first generated transactions
Accounts chart labels are width-aware, calendar-based, and smoother to scrub
Import headers and tab swipes have improved contrast and gesture handling
1.0.17 May 14
Bug Fixes
Activity scrubber lands on the correct date — the floating date pill no longer drifts a day or two off from the section the list actually scrolled to. Day offsets are now computed from the same exact bucket boundaries the FlatList uses, instead of a “close enough” estimate that rounded the wrong way at month seams
Top scrubber stops snapping back mid-drag. While you’re dragging the bar at the top, the list-driven sync is paused so the bubble follows your finger instead of fighting it
Live-follow during drag — the date bubble now tracks the exact day under your finger in real time, not the day the list happened to render last frame
Render blanks reduced — the scrubber no longer flashes empty rows when you fling through several months. The renderer keeps a tighter window around the visible range and unmounts off-screen rows less aggressively
History chart stops re-running its sync entry animation every time totals refresh. A new series-key cache means the animation only fires when the underlying data actually changes shape — not on every background sync tick
Improvements
Added a deterministic series-key helper for the history chart with unit tests, so the “did the series actually change?” check is now provable instead of vibes
Added a scroll-correction utility (activityScrollCorrection) with tests covering the edge cases that used to land on the wrong day
1.0.16 May 2
Bug Fixes
- Instance password setup now warns you upfront that there's no recovery path. If you're standing up your private instance, save the password somewhere you'll actually find it later
- Active dashboard tab no longer clips off the right edge on narrow phones. When a tab label expands inline, the strip slides to keep it fully visible
1.0.15 May 1
# 1.0.14
What's New
- Liquid-glass tab indicator across the dashboard — Expenses / Income / Transfers / Accounts now slide between glassy pills with a spring-driven shine flash, and a soft press-pulse when you tap. The indicator interpolates with your swipe instead of snapping at the end
- Same glass treatment applied to the budget month switcher — months pick up the morphing pill, replacing the flat yellow background. Budgeting now matches the rest of the app
- Glass chart-type switcher (pie / line) on the dashboard chart, color-tinted to the active tab
- Floating + button got a glass makeover — blur, tinted gradient, animated shine on press — and now reads cleanly even when transactions sit directly behind it
- Account/tag filter sheets apply on close. Pick what you want, dismiss the sheet — that's it. The "Apply filter" button is gone because tapping a thing twice to do one thing was always silly
- Filter selections persist across restarts, per budget. Quit, re-open, your account/tag filter is exactly where you left it. Tap the X on the search bar to reset
- Tag exclusions now actually filter — `-#tag` tokens from the tri-state tag picker hit the database with NOT LIKE clauses
Bug Fixes
- Funds Distribution donut on the Accounts tab no longer goes blank when you have many accounts. The 16° gap × 23 accounts geometry was over-flowing 360°; the gap now scales adaptively and the chart caps at the top 10 with everything else rolled into a grey "Other" wedge
- Floating + icon centered in its button (previously sat off-axis on certain screen sizes)
- Inactive-tab spacing tightened so icon-only tabs no longer drift apart at the edges
- Glass tab indicator no longer hesitates between tabs — the indicator commits to the new position immediately on swipe-end instead of pausing
Improvements
- DRY-ed the search-clause builder: five copies of the same comma-separated term parser are now one helper, so future search additions land in one place
- Floating + dim layer raised so the icon stays legible against any background, with the colored tint preserved
- Budget month switcher auto-centers the selected month with a smoother scroll
1.0.14 May 1
What's new in 1.0.13
• Tag any transaction single or many at once via the multi-select bar
• Filter your activity by tag with quick funnel selection
• Tag pills on cards, inline colour dots, and a tag row on the new/edit transaction sheet
• Account and tag filters now multi-select pick what you want, tap Apply
• Day-section totals reflect the active filter (no more mismatched numbers)
• Push notifications on iOS
• Account setup wizard now only shows once per device — no more re-prompts on every login
Enhancements
• Long filter labels truncate cleanly so the header stays readable
• Polished search affordance on the account detail screen
1.0.13 Apr 28
What's New
- Community links in Settings — find us on X, Discord, and Reddit
- Category icons upgraded from emojis to polished Ionicons with colors
- New users get styled categories out of the box
- Tap any category icon in Manage Categories to change it directly
- Tutorial URLs now update from the cloud — no app update needed
- Budget view gets a category heatmap — at-a-glance spending intensity per category, without squinting at numbers
Bug Fixes
- Hide Amounts now also masks transaction notes — FX notes were quietly leaking the original foreign amount and rate, they aren't anymore
- Timeline switcher (1W/1M/3M/6M/12M/All) glides on the native thread now — no more stutter when the chart reloads behind it
- Duplicate detection sees existing transfers now, so transfer imports stop sneaking through as new transactions
- iOS Shortcut account cache excludes off-budget accounts — closed or archived accounts no longer show up in Apple Wallet automations that
shouldn't touch them
- Per-account view shows the current account, payee, and category names — stale labels were a ghost of renames past
- Modal close-button tap targets are bigger — missing the X was becoming a sport
- Account pickers lift above the keyboard instead of hiding behind it
- Shortcut account resolution is stable across Apple Wallet automations — the "which account?" lottery is closed
- Inbox transactions no longer get silently dropped as duplicates when they shouldn't be
Improvements
- Existing users automatically get the new icon styling
- Custom icons you've already set are preserved
1.0.12 Apr 20
What’s New
FX auto-fetch for managed users — exchange rates refresh on their own, with a manual refresh button, 6-decimal precision, and a settings toggle for the “I’ll do it myself, thank you” crowd
Rates auto-fetch when you pick a currency during account creation, and again during transaction inbox sync — you no longer have to court them
Account filter on the dashboard — tap the funnel, pick an account, and everything reshapes to just that account. Opens as a bottom sheet because a chip grid at 20+ accounts is a crime scene
Search header is now icon-only and the pie/line chart toggle wears the active tab’s accent color — green for expenses, blue for income, purple for transfers
Category picker shows colored category icons that match the rest of the app
“Let AI decide” option in the Shortcuts account picker — for when you also don’t know which account
Bug Fixes
Chart, totals, and transaction list no longer stay filtered to a previous search after tab-hopping and clearing — the cache was holding a grudge, now it isn’t
Notes field in Add/Edit Transaction auto-scrolls above the keyboard on focus — typing into thin air is no longer part of the workflow
Return on Notes dismisses the keyboard instead of adding a newline — the old behavior was a feature nobody ordered
Transaction modals size to content — no wasted dead space on big phones, no overflow on small ones
FX fetch icon hidden for BYOB users where it didn’t apply
Fetched FX rates are validated and sanitized before being saved
Improvements
Chart/history preload uses a generation counter — stale requests from a previous search or tab switch get dropped instead of overwriting fresh data
1.0.11 Apr 17
What’s New
Calendar months timeframe mode — new setting to swap the rolling period picker (1W, 1M, 3M…) for month-by-month navigation (Jan, Feb, Mar…) on the dashboard
Search now preloads results for all tabs and persists across tab switches — hit enter, browse Expenses/Income/Transfers, your results stay put
Bug Fixes
Timeframe changes on the Accounts tab no longer show stale data when switching back to Expenses
Search X button reliably clears results and reloads unfiltered data
Fixed chart and header totals not matching filtered search amounts
Improvements
Donut chart cold start optimized — segments memoized, data loading batched into a single render commit
Timeframe pill animation snappier — data reload deferred until animation settles
Header shows active search query badge when filtering
1.0.10 Apr 16
What’s New
Donut chart glow-up — HSL-based category colors, glossy shine effect, smooth entrance animations, and cold-start that no longer makes you wait like it’s buffering your finances
Universal search now works across all tabs with live filtered totals — finding that one suspicious coffee purchase just got faster
Duplicate transaction detection with reversal handling — the app now notices when you log the same thing twice, even if you won’t
Inline category creation from manage categories — no more leaving the screen to name your impulse purchases
arc CLI installer command in settings — for the terminal-pilled among us
Bug Fixes
Foreign currency duplicates now detected properly — the regex finally learned to read its own notes
PDF and image imports stopped misclassifying income as expenses — your salary no longer cosplays as spending
Shortcuts AI got way better at separating expense vs income categories, and SMS parsing now actually understands UPI payees
Keyboard and search filters dismiss on tap, scroll, or swipe — no more trapped-behind-the-keyboard moments
Account detail charts no longer overlap content or fight with scrolling — they learned personal space
Tab scroll sync refined so headers and content agree on where you are
Improvements
Updated Apple Pay shortcut tutorial video
Shortcut setup now includes YouTube walkthrough links — because reading is optional
1.0.9 Apr 15
What's New
- Create categories directly from Manage Categories — tap the + button next to any category group
- Smarter SMS automation — correctly identifies merchant/payee from UPI transactions instead of bank name, and saves reference numbers in notes
- Improved PDF bank statement import — better income vs expense classification
- Better category inference for Shortcuts and image imports
- Keyboard and search filters now dismiss properly on tap, scroll, or swipe
- Dashboard tab scroll sync improvements
1.0.8 Apr 9
What's New
- iOS Shortcuts integration — log transactions from anywhere on your phone by just telling Siri or tapping a Shortcut. AI parses your natural language, matches payees and categories, and posts it to your budget. you don't even have to open the app anymore, we're basically firing ourselves
- Cross-currency FX conversion in Shortcuts — say "spent 500 INR at restaurant" on your AED account and it auto-converts using live exchange rates. 166 currencies supported, rates refresh daily, your multi-currency lifestyle is now a one-liner
- Account picker in Shortcuts — pick your target account from a dropdown right in the Shortcut editor, or let AI figure it out from context
Bug Fixes
- Rule creation now captures payee changes during transaction save — editing a payee and checking "create rule" finally does what it says on the tin
1.0.7 Mar 22
What's New
- Budget rollover & transfer support — carry over unused budget and move money between categories, just like Actual Budget intended
- Batch category updates in multi-select — select a bunch of transactions and re-categorize them all at once, because life's too short to tap one at a time
- Create parent category groups in Manage Categories — you can now build your own category hierarchy from scratch
- Customizable default tab and tab reorder — drag your tabs around in settings, because Expenses doesn't deserve to be first for everyone
Bug Fixes
- Category picker now filters by transaction type — no more income categories photobombing your expense entries
- CategoryIcon size normalized — icons finally stopped lying about their dimensions
- Rollover/transfer actions now trigger on balance tap instead of long-press — your thumbs will thank us
- Rule creation now captures payee changes — editing a transaction's payee and checking "create rule" actually creates the payee mapping rule, not just the category one
1.0.6 Mar 17
What's New
- Configurable expense category groups — pick which groups show on the Expenses tab in settings. non-English budgeters, we see you now
Bug Fixes
- Transaction inbox now applies currency conversion rules during sync — your yen is no longer cosplaying as dollars
- Transaction inbox now applies pre-stage and general-stage rules — inbox transactions finally follow the same rules as everyone else
1.0.5 Mar 14
Bug Fixes
- Fixed "Session Expired" error showing for self-hosted (BYOB) users after first sync — managed auth checks no longer haunt people who didn't ask for them
1.0.4 Mar 6
What's New
- Transaction Inbox — external services can now yeet transactions straight into your accounts via API. automation has entered the chat
- Copy Inbox URL per account — one tap to copy, paste it into your favorite webhook, and never manually enter a transaction again. you're welcome, lazy budgeter
- Transaction Inbox settings — enable, disable, reset your API key, or just stare at the toggle and feel powerful
1.0.3 Mar 4
What's New
- Budget widget on your home screen — your envelopes now stalk you even when the app is closed
- Smart budget actions — copy last month, set zero, or let 3/6/12 month averages do the math you were too lazy to do
- Tap spent/received amounts to drill into category transactions — finally, receipts for your regrets
Bug Fixes
- Income groups now show only received amount instead of budgeted/spent/balance in budget tab and widget
1.0.2 Feb 26
What's New
- Envelope budgeting tab — every dollar now has a job. unemployment rate: 0%
- Modify categories and category groups — because you deserve to organize your chaos
- Add new accounts directly while creating transactions — no more "hold on let me go back"
- Face ID & currency picker in onboarding — your face is the password now, deal with it
Fixes
- Budget tab no longer freezes mid-scroll — it was just thinking really hard, we told it to stop
- Android no longer crashes on large budgets — turns out phones don't like swallowing data whole
- Keyboard no longer covers input fields on Android — you can see what you're typing, revolutionary
- Multi-currency accounts now show the right currency — yen is not pesos, noted
- Accounts can start with negative balances — we don't judge your financial decisions
1.0.1 Feb 25
Release Note
Added support for connecting to local/private BYOB Actual servers without SSL.
Improved URL handling for LAN addresses like 192.168.x.x, localhost, and .local.
more Version 1.0.19 6d ago
Data Linked to You The following data may be collected and linked to your identity:
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