Arca is envelope budgeting for households. Assign the money that's actually in your accounts to what matters, see overspending coming before it lands, and stay ahead of the bills you know are due.
You budget what's in your checking, savings and cash today β not projected income.
An envelope turns amber, then red, before a planned bill would overspend it.
Recurring bills, savings goals with deadlines, and a forward look at every account.
One plan, everyone who shares the money kept in sync.
Built around the envelope method β assign the money you have, spend from what you assigned.
Assign every available dollar to a category. When an envelope's empty, you're done spending there β no overdraft surprises.
Checking, savings, credit cards, loans and investments. Enter transactions in seconds; Arca keeps a running balance on each.
Set a weekly, biweekly, monthly or yearly spending target β or a savings goal by a date. Arca tells you what to set aside this month and re-paces it as you go.
Enter recurring bills once. Arca shows what's coming, flags the envelopes that won't cover it, and projects each account's balance forward.
Net worth over time, spending by category, month-to-month trends, and a βcash cushionβ β how many days of expenses you have saved.
Invite the people you share money with. Everyone sees the same plan and the same balances, updated as they happen.
Enter today's balances. No bank login required β Arca never asks for banking credentials.
Create categories and assign every available dollar until βReady to Assignβ is zero.
Record what you spend and move money between envelopes when life changes. That's the whole method.
Not yet. Arca is manual by design right now β you enter balances and transactions yourself. That keeps your banking logins out of it entirely, and most people find that recording spending as it happens makes them far more aware of where the money goes.
Yes. A plan belongs to a household, not a person β invite anyone you share money with and they see the same budget and balances.
Arca works in any mobile browser today and is built for it. A dedicated iOS app is on the way.
Your data is encrypted in transit and at rest and hosted on AWS.