The assistant that shows its work

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 it show its work

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

An animated example of Arc at work, with example figures. New transactions stream in and file themselves into Groceries, Dining, Transport and Subscriptions. A duplicate Netflix charge is flagged, and Arc asks before marking it. A dining figure in the chat opens into the five purchases behind it. A ring fills to show $1,112 safe to spend until payday, and the net-worth line rises 2.1%. A heads-up says rent goes out tomorrow. Then someone asks whether they can afford dinner out on Saturday, and Arc answers from their balances, bills and pay. Example data

Shows its work

Shows its work. Never sells yours.

Every figure Arc gives you is a chip that opens the transactions behind it. Nothing changes without your OK. Bank access is read-only, the AI keeps nothing, and it’s one paid plan with no ads.

Ask it something. Then tap a figure.

Plain words, your numbers, and every figure opens the transactions behind it.

Scripted examples with sample numbers, not live AI. In Arc, every answer comes from your own accounts.

ArcScripted example

Where is my money going?

So far in October, went out. Groceries and shopping are most of it, and dining is running ahead of your usual.

October spendingExample

  • Groceries$412.30
  • Shopping$299.40
  • Dining
  • Transport$96.10
  • Subscriptions$54.46

Two Target trips look like groceries. Want me to move them?

Needs your OK

Move 2 Target purchases from Shopping to Groceries

Touches 2 transactions

Target · Sat, Oct 24$118.40

Target · Sat, Oct 10$64.90

Approved. Both moved to Groceries.

No change made. Nothing moved.

“Am I on track this month?” Every figure in the answer is a chip. Real app on sandbox data; waits cut, the chart drag plays at 1.45×.
Nothing changes without your OK. Asked to file Uber under Car & transport, Arc shows the change as a card first. Real app on sandbox data; waits cut.

Never sells yours.

Your finances are as personal as data gets. Here is exactly how Arc treats them.

  • Read-only bank access

    Arc links your accounts through Plaid and can’t move money.

  • The AI keeps nothing

    Zero-retention model endpoints only. Your data never trains a model.

  • Never sold. No ads.

    One paid plan. Arc never sells or shares your data, and shows no ads.

  • See what the AI saw

    A privacy log lists everything that was sent to the AI.

  • Your own key

    Your data is encrypted with a key unique to you.

  • Leave whenever

    Export everything anytime. Delete your account and it’s gone.

Privacy logSettings › PrivacyZero retention

  • Daily noteToday, 7:30 AMSent: 3 balances, 14 transactions
  • You asked about diningYesterdaySent: your question, 5 transactions
  • Double-charge checkFriSent: 2 transactions
  • Weekly reviewSunSent: 58 transactions, 4 budgets

Kept by the AI provider Nothing

Example

Safe to spend

One number: what’s safe to spend.

It sits right on Home. Ask “Can I afford this?” and Arc answers from your balances, bills and pay, with every figure linked to the receipt. Most days, you’re probably in better shape than you think.

Safe to spenduntil payday · Thu, Nov 5

$1,112.00
  • Checking today$3,090.00
  • Rent · due Sun, Nov 1−$1,850.00
  • Car insurance · due Mon, Nov 2−$128.00
  • Safe to spend$1,112.00

Can I afford a $60 dinner Saturday?

Yes. You’d still have $1,052.00 safe to spend until payday on Thursday.

Example

Looks for you

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 any of it off.

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

Real app · sandbox data · waits cut

On the way in. Ask “did anything weird happen this week?” and Arc points out what looks off, every figure linked to the receipt.

Bills week. The next two weeks of bills sit on Home, with a heads-up before each one hits.

Wait, twice? Double charges and odd ones get flagged the day they show up, so you never have to spot them.

Uber, sorted. Tell Arc how to file something. The change shows up as a card, and nothing moves until you approve it.

Can I afford it? What’s safe to spend is right on Home, built from your balances, bills and pay.

Payday yet? If a paycheck doesn’t land when it usually does, Arc tells you before it turns into a problem.

People clips are illustrative stock footage, not Arc customers.

Before it hits

Know before it hits.

A one-line heads-up before a bill goes out, a warning when your balance is heading below a bill, and a flag when a paycheck doesn’t land. The next two weeks of bills sit on Home.

  • Arc6:00 PM

    Heads up: State Farm is due tomorrow, $128.00. You’re covered.

  • ArcFri

    Checking may dip to $180 before your phone bill on Monday.

  • Arc10:30 AM

    Your paycheck usually lands by now. I’ll tell you the moment it does.

Examples

Home, then Bills & subscriptions. Real app on sandbox data.

Price creep

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

Arc flags a price change, a trial about to bill and a double charge, and keeps every recurring charge in one list with price-change badges.

A heads-up on price creep

Price changes and trials about to bill, said the day Arc spots them.

A double charge, flagged

Arc shows exactly what it would change, and waits for your yes.

Every recurring charge, in one list

Forgotten subscriptions, all in one place, with a badge when a price moves.

  • Daily note7:30 AM

    Morning. You spent $46.20 yesterday, mostly groceries. Your phone bill, $65.00, goes out Thursday.

  • Double charge12:04 PM

    Netflix charged you $15.49 twice on Tuesday. Want me to mark one as a duplicate?

  • Heads-up6:00 PM

    Heads up: State Farm is due tomorrow, $128.00. You’re covered.

  • Trial ending9:15 AM

    Your Paramount+ trial bills $7.99 on Sunday.

  • Odd charge8:40 AM

    Your electric bill came in at $142.80, well above your usual.

  • Price creepThu

    Spotify went up a dollar this month, to $12.99.

  • Paycheck10:30 AM

    Your paycheck usually lands by now. I’ll tell you the moment it does.

  • Before it hitsFri

    Checking may dip to $180 before your phone bill on Monday.

  • Weekly reviewSun 7:00 PM

    You spent $612.40 this week, less than usual. Dining was the big one.

  • Safe to spendWed

    $1,112 is safe to spend until payday on Thursday.

Examples. Arc writes each one from your own accounts, and you can turn any of them off.

Price

$99 a year. Everything in it.

One plan, everything in it. No ads, no upsells, never free, because free means you’re the product.

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

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.

ArcOne plan

$99/year

About $8.25 a month

  • Your banks, cards, loans and investments, all in one place, read-only
  • A short note when something matters, and a weekly review
  • Heads-ups before bills, low balances and missing paychecks
  • Forgotten subscriptions, price creep and double charges, caught
  • 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. Chat on the web today; texts and WhatsApp are coming soon.

Talk to your money.

Link your accounts read-only, ask your first question, and let Arc look for you.

Open Arc hello@arcfinance.co