Free covers logging, sharing and daily pace. Pro lifts the limits and lets Arc do more for you.
Everything you need day to day.
No time limit.
Arc AI, each day
No card needed · iPhone app coming to the App Store
Room to grow, and Arc does more for you.
Or $39.99 a year, saving $7.89
Arc AI, each day
Pro billing opens soon, with a free first month. Until then, everyone has Pro’s limits.
Arc reads everything on your device first. Arc AI steps in only when Arc isn’t sure, and Pro lets it step in more often.
A payee name Arc hasn’t seen before? Arc AI finds the shop behind it, so the entry gets the right name and category.
Free 5 a dayPro 30 a day
When Arc can’t tell the category, Arc AI ranks the likely ones from your sheet. You tap the right one.
Free 3 a dayPro 15 a day
Free has what you need day to day. Pro removes the caps, opens every insight and export, and watches your subscriptions for you.
| Feature | Free | Pro |
|---|---|---|
| Arc AI, each day | ||
| Shop lookupsFinds the shop behind a name Arc hasn’t seen | 5 | 30 |
| AI picksRanks likely categories when Arc isn’t sure | 3 | 15 |
| Masks your details before Arc AI sees them | ||
| Suggestions from your history after the limit | ||
| It logs itself | ||
| Bank texts, no bank passwordTexts past the limit wait until Pro unlocks them | 30 a month | Unlimited |
| Screenshots read on your device | ||
| Say it: several entries in one sentence | ||
| Share from any app | ||
| Quick add | ||
| Statement import | Last 3 months | All of it |
| Know where you stand | ||
| Sheets you ownEach in any of 150+ currencies | 3 | Unlimited |
| Spending categories per sheet | 12 | Unlimited |
| Income categories per sheet | 12 | Unlimited |
| Payment methods per sheet | 10 | Unlimited |
| What you can spend today | ||
| Your own periods and category limits | ||
| GoalsPro adds automatic rollover | 1 | Unlimited |
| InsightsPro adds comparisons and trends | This month & year | Any month or year |
| Pace widget and pace alerts | ||
| Scheduled entriesAdded to your inbox on the due date | ||
| Reminders for scheduled payments | ||
| A morning message with today’s amount | ||
| Money that moves | ||
| Card bills counted once | ||
| Spending abroad converted at the day’s rate | ||
| Subscriptions and habits | Add your own | Found for you |
| Subscription alertsPrice rises, double charges, overlaps and renewals that bunch up | Locked | |
| Money with people | ||
| People per sheetGuests included | 3 | Unlimited |
| Shared sheets with roles and guests | ||
| Splits: equal, exact or by shares | ||
| Settle up with payment links, even with people not on Arc | ||
| Reimbursements | ||
| Private entries on a shared sheet | ||
| Everywhere | ||
| Web and iPhone, in sync | ||
| Excel and PDF exports | This month & year | Any period |
| App icons and accent colours | ||
| Goal widget and more widget styles | ||
| No ads, no selling your data | ||
More in the FAQ.
Bank texts, screenshots and what you say become entries on their own.
No card needed · iPhone app coming to the App Store
See everything Arc doesEach answer uses one of today’s lookups.
Arc AI’s picks, most likely first
Each answer uses one of today’s AI picks.