What Arko does
See everything at once
Every account, every bank, one place, updated automatically. No more bouncing between apps just to check.
Budget your way
Ledger-style monthly planning, category breakdowns, and spending trends — as hands-on or automated as you want it.
Catch every subscription
Subscriptions and bills are flagged from their very first charge — with a heads-up when a price goes up, a yearly plan is about to renew, or one quietly stops.
Know what's coming
Everything due in the next 30 days, in one list — so a bill or renewal never sneaks up on you.
Every dollar, all year
See where your money went month by month or across the whole year — and fix a merchant's category once, for every charge.
Bank-level security
Read-only access through Plaid, two-factor protection on your bank connections, and your bank login is never stored. Delete your account anytime, right from Settings.
How it works
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01
Start free
Manual budgeting, a full ledger, and dashboard tracking — no bank connection required, ever.
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02
Connect your accounts
When you're ready, securely link banks and brokerages in a couple of minutes, through the same technology major banking apps use.
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03
See the full picture
Balances, spending, investments, and net worth — unified and updated automatically, with as much detail as you want.
Caught from the very first charge.
Netflix, your phone bill, that app you forgot about — Arko recognizes them the first time they charge, and anything else as soon as it repeats at a steady price.
- A heads-up when a price goes up
- Yearly renewals flagged before they hit
- “Stopped charging” — proof a cancellation went through
Every dollar, the whole year.
Month by month or the whole year at once — including what you saved, invested and paid down, not just what you bought. Fix a merchant’s category once and every charge follows.
- This year next to last year
- Savings and investments counted, not lost
- One tap re-labels a merchant, past and future
A budget that fills itself in.
Ledger-style planning that learns from what things actually cost. Each line offers what you really spent lately — one tap to use it.
- Suggestions from your own history
- Bills with due days and a Paid box
- Payoff dates for your debts — paying your savings back included
- Works by hand, too — no bank required
Your money, your rules
Read-only bank access
Connections go through Plaid. Arko never sees or stores your bank login.
Two-factor protection
An authenticator code before a bank is linked or a connection changed — trusted devices aren’t asked every time.
Emails only if you want them
Budget pace, new subscriptions, a monthly recap — every one off until you turn it on.
Export anytime
Your whole log as a spreadsheet or a printable PDF, with real category totals.
Delete anytime
One button erases everything and disconnects every bank — no emails, no waiting.
Getting set up
From signup to your first synced balance, in a few minutes.
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1
Create your account
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.
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2
Start however you want
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.
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3
Connect an account (optional)
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.
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4
Let it settle in
Detected transactions show up for your review, balances update on their own, subscriptions and bills are found automatically, and your budget suggests amounts from what things actually cost. Adjust anything, any time.
Common questions
Is Arko actually free?
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.
What happens when my trial ends?
Every new account gets a 14-day trial of full access, and we'll remind you a couple of days before it ends. Pick a monthly plan during the trial and you won't be charged until it's over. If you don't upgrade, 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.
Do I have to connect a bank account?
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.
Is my financial data safe?
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.
Does Arko find my subscriptions?
Yes. Known services and bills are flagged from their first charge, and anything else as soon as it repeats at a steady price. You'll see what's due in the next 30 days, price increases, yearly renewals, and the ones that stopped charging — and you can tell Arko how often something bills if it guesses wrong.
Can I take my data with me?
Yes, on every plan. Export your full log as a spreadsheet, CSV or a print-ready PDF, and print any budget period. On Full you can also download a year of spending and your investment holdings as CSV.
Can I delete my account?
Anytime, from Settings → Delete account. It cancels any subscription, disconnects every bank, and erases your data — no emails or waiting.
Can I cancel anytime?
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.
What's the difference between the paid tiers?
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.
Pick your level
Start free. Add automation when you want it. Go all in whenever that makes sense.
Tier 1
Everything you need to budget by hand — free forever.
- Manual add/subtract/transfer entries
- Budget planner (ledger-style monthly budgeting)
- Dashboard overview cards, cash flow summary
- Budget allocation & expense breakdown charts
- Export your log and budgets — spreadsheet, CSV or PDF
- No Plaid connection required
Tier 2
Connect your real accounts and let balances update themselves.
or $65 once, lifetime
- Everything in Manual
- Plaid bank account linking with auto-sync
- Up to 6 connected accounts
- Auto-updating balances tied to real accounts
- Bills & subscriptions due in the next 30 days
Tier 3
Investments, debt, spending trends, savings goals — all of it.
or $135 once, lifetime
- Everything in Automation
- Investment account linking (Robinhood, etc.)
- Debt account linking
- Up to 15 connected accounts
- Spending by month and by year, every dollar
- Subscription & bill tracker with price-change alerts
- Savings goals with visual progress tracking
- Investment portfolio view
- First access to future features
14-day free trial of Tier 3 on signup — no card required. Cancel monthly plans anytime; lifetime is a one-time payment, never recurring.