A sheet for the trip
Owners, editors and viewers. Guests join without an account.
Lake Tahoe tripBudget $1,500 · 4 people
- YouOwner
- RahulEditor
- KabirEditor
- MeeraNo account neededGuest
Where all your money comes together.
Your spending, budgets, shared bills and every currency, in one calm place. Arc logs each payment on its own and tells you what’s left to spend today.
Explore Arc today
Explore Arc today
No card needed · iPhone app coming to the App Store
Messagesnow
Card alert: You made a $42.50 transaction with UBER on Oct 4.
Reading…
Uber$42.50
Filling in…
Four ways in. None of them typing.
Arc reads what you already have and drafts each entry for you.
InboxNo bank password
Trader Joe'sLogged$62.10
Bank texts, no bank password
One Shortcut covers every bank, money in and out. Texts wait quietly in Arc’s inbox.
Trader Joe's
$62.10Paid to Trader Joe's4 Oct, 2026via Card
$62.10Trader Joe's4 OctCardGroceries
Read on this phone
Screenshots, read on your phone
Share a payment screen or a statement. Arc picks out the amount, payee and date.
Listening…
coffee 4.50,uber 18,groceries 62
Say it once
“coffee 4.50, uber 18 and groceries 62” becomes three entries, in English, Hindi or Hinglish.
Pharmacy receipt
Copied bank text
Netflix receipt link
Share from any app
Images, copied texts and links go straight to Arc.
Months of history? Import a PDF or Excel statement and duplicates are skipped. Something small? Tap a usual spend, the Lock Screen button, or press ⇧N on the web.
Sure, it fills. Unsure, it asks.
Arc never guesses a category. When it isn’t sure, you pick from three, and it remembers.
A payee Arc knows gets its category, payment method and sheet.
UberFrom a bank text$42.50
- Category
- Transport
- Paid with
- Card
- Sheet
- Personal
Sure, so it filled itself
What early users see
0wrong categories filled in their first month
98%right within one tap by their fourth week
Know what you can spend today.
One number that moves with every entry. Spend more today, and tomorrow’s amount adjusts.
$28left today on PersonalTomorrow $39 · 11 days left
$28 for today8:30Personal · 11 days left in October.
Morning message
With Pro, today’s amount before you spend a thing.
Near today’s amount · Personal7:52 pmTomorrow: $39 to stay on track.
Pace alerts
A nudge when you’re close to today’s amount, or over it.
Today
Usual spends widget
Tap one to log it from the Home Screen.
Shared money, kept simple.
Trips, homes and family in one sheet. Splits, settling up and paybacks stay inside your budget.
Split it your way
Equally, by exact amounts or by shares.
DinnerPaid by you · Lake Tahoe trip$96
- You
- Rahul
- Kabir
- Meera
Rahul settles up
Send a payment link. Friends without Arc pay on a simple page.
Rahul, settle up for Lake Tahoe trip$28Pay $28No Arc account needed
Mom pays you back
Track what someone owes you. Paybacks are never counted as income.
Reimbursed by MomOctober
Pharmacy$50
Electricity$84
Mom owes you
Income this month$4,200unchanged
The things that slip past you.
Price hikes, double charges, card bills and foreign payments, sorted before they skew your month.
- Netflix went up$15.49 → $17.99 a monthPrice hike
- Netflix a year$215.88 at the new priceYearly cost
- Spotify, twice$10.99 charged twice this monthDuplicate
- Netflix renews soonOn 23 Oct, in 3 daysRenewal
Subscription radar
See what each one costs a year. Pro finds them for you and flags price hikes and double charges.
Spent in OctoberCounted twice
Card billCounted as spending$600
The purchases were counted when you made them. The bill only moves money.
Transfers counted once
Paying the card bill moves money. It isn’t spending twice.
Hotel₹3,566 · INRToday’s rate
Waiting for the bank’s debit…
Other currencies
Pro converts it at the day’s rate, then swaps in the bank’s real debit.
Your messages stay yours.
Arc reads on your phone and masks the details before anything reaches the cloud.
- Stays on the phoneReading happens on your iPhone.
- Masked firstAccount numbers, references and balances are hidden before anything leaves.
- Never storedMessage text is read, then dropped.
What your bank sentMasked on your phone, before anything leaves it.
- No bank password
- No ads
- No selling data
- Nothing learned across users
Works in 150+ currencies.
Each sheet keeps its own currency, and amounts are grouped the way that currency reads.
150+currencies
One amount, written the way each currency reads it
- USD$1,234,567.89$1.2M
- INR₹12,34,567.89₹12L
- EUR€1,234,567.89€1.2M
- GBP£1,234,567.89£1.2M
- JPY¥1,234,568¥1.2M
- AEDAED 1,234,567.89AED 1.2M
- CHFCHF 1,234,567.89CHF 1.2M
Rupees group in lakhs and crores. Everything else groups in thousands.
Say it in English, Hindi or Hinglish.
- English“coffee 4.50, uber 18 and groceries 62”
- Hindi“चाय 20, ऑटो 80”
- Hinglish“chai ke 20, auto ke 80”
Free to start. Pro when you want more.
Free$0
Logging, splits and daily pace, with 30 bank texts a month and up to 3 sheets.
Arc AI: 5 shop lookups and 3 AI picks a day
Pro$3.99a month, or $39.99 a year
No caps on texts, sheets or people, plus every insight, subscription alerts and more Arc AI.
Arc AI: 30 shop lookups and 15 AI picks a day
Pro billing opens soon, with a free first month. Until then, everyone has Pro’s limits.
See pricingLet your spending log itself.
Free to start, on the web today.
Explore Arc today
Explore Arc today
No card needed · iPhone app coming to the App Store