Budget by hand, or connect your accounts and let balances, spending, and net worth update themselves. Free to start — no card required.
Manual budgeting is free forever. Try automation and the full toolkit free for 14 days.
Every account, every bank, one place, updated automatically. No more bouncing between apps just to check.
Ledger-style monthly planning, category breakdowns, and spending trends — as hands-on or automated as you want it.
Read-only by default. Your credentials are never stored. Every connection is encrypted end to end.
Manual budgeting, a full ledger, and dashboard tracking — no bank connection required, ever.
When you're ready, securely link banks and brokerages in a couple of minutes, through the same technology major banking apps use.
Balances, spending, investments, and net worth — unified and updated automatically, with as much detail as you want.
From signup to your first synced balance, in a few minutes.
No card required. You're on the free Manual tier the moment you sign up, with a 14-day trial of everything else included automatically.
Log a few transactions by hand to get a feel for it, or jump straight to Connections and link a bank or brokerage — both work from day one.
Search your institution, log in through Plaid's secure flow, and pick which accounts to share. Takes about two minutes; nothing is stored on our end beyond what's needed to run the app.
Detected transactions show up for your review, balances start updating on their own, and your budget fills in from there. Adjust categories and set-asides any time.
Yes — manual budgeting, the full ledger, and dashboard tracking are free forever, no card required and no time limit. You only pay if you want connected accounts and the automated features on top.
Every new account gets a 14-day trial of full access. If you don't upgrade before it ends, your account drops to the free Manual tier automatically — any connected accounts are disconnected (fully, at Plaid's end too), but nothing you entered manually is ever touched.
No. Manual tracking works completely on its own — connecting accounts is there for when you want balances and transactions to update themselves instead of typing them in.
Account connections go through Plaid, the same infrastructure most banking apps use — your bank login is never seen or stored by Arko. Read-only access by default, encrypted connections throughout, and you can disconnect any account at any time.
Yes. Monthly plans cancel from Settings whenever you want — you keep access through the end of what you already paid for, and you're never charged again after that. Lifetime plans are a one-time payment with nothing to cancel.
Automation adds bank and card connections with auto-syncing balances, up to 6 accounts. Full adds investment and debt account linking, up to 15 accounts, spending trends, visual savings goals, and the investment portfolio view.
Start free. Add automation when you want it. Go all in whenever that makes sense.
Everything you need to budget by hand — free forever.
Connect your real accounts and let balances update themselves.
or $95 once, lifetime
Investments, debt, spending trends, savings goals — all of it.
or $165 once, lifetime
14-day free trial of Tier 3 on signup — no card required. Cancel monthly plans anytime; lifetime is a one-time payment, never recurring.