Talk to your money.

You don’t have to look. Arc looks for you, and tells you what changed, what’s due and what’s safe to spend.

Open Arc See how it works

Read-only bank access · Every number links to the receipt · $99/year, no ads

Chat with Arc on
  • Web
  • TextsComing soon
  • WhatsAppComing soon

Example

  1. A note when it matters
  2. A heads-up before it hits
  3. One number: safe to spend
  4. Every number shows its work

You don’t have to look. Arc looks for you.

A short note when something matters, and quiet when nothing changed. A weekly review on Sunday. Turn either off whenever you like.

Payday.

Arc notices when your paycheck lands, and tells you when one is late.

Rent’s due tomorrow.

A heads-up the day before a bill, with what you’ll have left.

Charged twice?

A double charge, flagged with a card to fix it. You approve every change.

Trial’s over.

A forgotten subscription or a price that creeps up, caught the day it starts.

Running low?

A heads-up before a bill would take your balance too low.

Sunday, sorted.

A weekly review of where it went, and what’s coming next week.

No homework. No categorizing. Arc files transactions, spots duplicates and one-offs, and asks you only when it isn’t sure.

People shown are actors in licensed stock footage. Arc’s messages and figures are examples.

Know before it hits.

A one-line heads-up before a bill, a warning before your balance runs low, and a word when a paycheck doesn’t land. Here’s one week of it.

  1. Mon · 8:00 AM

    Bills, a day early

    One line the day before a bill goes out, with what you’ll have left.

    ArcHeads-upEXAMPLE

    Heads up: State Farm is due tomorrow.

    • State FarmDue tomorrow$142.80
    • Checking afterBefore Friday’s paycheck$1,823.70

  2. Tue · 7:30 AM

    Quiet days stay quiet

    Nothing changed, so there’s no note. Arc writes only when something matters.

    Nothing to flag today 2 purchases yesterday, both usual. No note sent. EXAMPLE

  3. Wed · 10:15 AM

    Low balance, before the bill

    Arc looks at the bills it knows are coming, and warns you while there’s still time.

    CheckingNext 30 daysEXAMPLE

    Today$146 on the 28thNov 14

    Checking could dip to $146 on the 28th, after rent and two bills.

  4. Thu · any time

    The next two weeks, on Home

    Every bill and paycheck due soon, all in one place, without opening every bank app.

  5. Fri · 9:30 AM

    Payday, or not yet

    Arc learns when your paychecks usually land, and tells you when one doesn’t.

    ArcIncomeEXAMPLE

    Your paycheck from Northwind usually lands by 9 AM on Fridays. Nothing yet. I’ll tell you the moment it does.

    • Sep 18$2,340
    • Oct 2$2,340
    • Oct 16Expected…

One number: what’s safe to spend.

Ask “What’s safe to spend?” or “Can I afford this?” and get one number, built from your cash, the bills due and your next paycheck, with every figure linked to the receipt.

Real Arc on Plaid sandbox data. Waits are cut, and the chart drag on the desktop clip plays at 1.45×.

All in one place, without opening every bank app

CheckingSavingsCredit cardsStudent loansMortgageCar loanBrokerage401(k)IRA
Bills due tomorrowPrice creepDouble chargesForgotten subscriptionsTrials about to billLow balanceLate paychecksSafe to spendYour Sunday review

Talk to Arc where you are.

  • WebNow
  • TextsComing soon
  • WhatsAppComing soon
  • Mobile appLater

Catch the forgotten subscription, and every price that creeps up.

Arc tells you when a trial is about to bill, when a price creeps up, and when you’re charged twice. Every recurring charge sits in one list, with price changes marked.

  1. Price creep

    A price creeps up

    ArcHeads-upEXAMPLE

    Spotify is going up from $11.99 to $12.99 a month, starting with your next bill.

    Price upSpotifyNext bill Nov 15$11.99 $12.99

  2. Trial about to bill

    A trial turns paid

    ArcHeads-upEXAMPLE

    Your Paramount+ trial bills tomorrow: $7.99 a month. Want to keep it?

    TrialParamount+Bills tomorrow$7.99/mo

  3. Double charge

    Charged twice

    Needs your OKEXAMPLE

    Mark the second Netflix charge as a duplicate
    • NetflixTue, 9:14 AM$15.49
    • NetflixTue, 9:15 AM$15.49
    ApproveNot now

  4. Recurring

    Every one, in one list

    Bills & subscriptionsMonthlyEXAMPLE
    • Spotify Price up$12.99
    • Netflix$15.49
    • Paramount+ New$7.99
    • Hulu$16.99
    • T-Mobile$63.70

Shows its work. Never sells yours.

  • Every number links to the receipt.Each figure is a chip that opens the transactions behind it. Arc never types a number itself.
  • You approve every change.Nothing changes without your OK, and the card shows what it will touch first. Tell Arc when a kind of change is fine.
  • Read-only bank access.Banks connect through Plaid, read-only. Arc can’t move money.
  • The AI keeps nothing.Arc only uses model endpoints that store nothing. Your data is never used for training, sold or shared.
  • Paid, so you’re not the product.One plan. No ads, no upsells.
  • 0copies kept by the AI provider
  • 0ads or trackers
  • 0data sold, ever

A privacy log like this one (example) lists everything Arc sent to the AI.

  • Encrypted per personEach person’s data is encrypted with its own key.
  • A log of what the AI sawYour privacy log lists every send to the AI, and when.
  • Export anytimeDownload everything Arc holds about you, whenever you like.
  • Delete means goneDelete your account and your data goes with it.

Pricing

One plan. Everything in it.

$99 a year. No ads, no upsells, never free, because free means you’re the product.

Less than four overdraft fees.Average fee $26.77, Bankrate 2025.

$99/ year

About $8.25 a month

  • Banks, cards, loans and investments in one place, read-only through Plaid
  • A short note when something matters, and a review on Sunday
  • Heads-ups before bills, price creep, double charges and low balances
  • What’s safe to spend, whenever you ask
  • Every number links to the receipt; you approve every change
  • The AI keeps nothing. No ads, no upsells.
Open Arc

Billing isn’t switched on yet. Paid plans open soon.

Fair questions.

Will it make up numbers?

No number is typed by the AI. Every figure comes from your data and links to the transactions behind it.

Does the AI keep my data?

No. Arc only uses model endpoints that store nothing, never trains on your data, and never sells or shares it.

Can it move money?

No. Bank access is read-only. Arc can recategorize, set budgets and make rules, and asks first unless you tell it not to.

What if a bank disconnects?

Arc tells you, and Home shows which bank stopped syncing.

Will it nag me?

One calm note when something matters, nothing when it doesn’t. Turn any routine off.

Ask Arc anything.

Link your accounts and let Arc look for you. You’re probably in better shape than you think.

Open Arc Email us
Questions? Write to hello@arcfinance.co