Your financial future, with a plan
Most finance apps
track the past.
Arc helps you
plan the future.
Track where you are, see where you're going, and know whether you're on track — all in one living financial plan.
AI native. Ask in Arc, or plug the plan into the agent you already use.
Start with a few numbers. Add detail anytime.
Tracking is only the start
Your finances make more sense in the context of a plan.
Knowing what you spent last month matters. Knowing what it means for the next 20 years matters more.
Traditional finance apps
- Where did my money go?
- What is my net worth?
- How much did I spend?
- What accounts do I have?
Arc
- Where am I going?
- Am I on track?
- What happens if I change something?
- How do I compare?
- What should I focus on next?
Tracking tells you what happened. Planning tells you what to do next.
One plan. Everything connected.
Your net worth, spending, goals, scenarios, and progress all feed the same financial model.
Today
Spend quieter; NW up; forecast ahead.
- Spending is $102 behind last month.
- Net worth is up $4.2K this week.
- Forecast is $6.4K ahead of plan.
Plan
On track$312K → $1.24M
Projected net worth
Net worth
Spending
$6.4K
Current month
62% of monthly pace
Forecast · Sep
Ahead this month.
From today NW, we keep your month plan for the rest of Sep.
Daily net worth through Sep — plan pace vs actual vs forecast to month-end.
$305K
Now
$296K
Sep plan
+$18K
Ahead
Scenarios
- Base CaseBase
- Retire at 45
- Buy another home
Build. Track. Adjust.
01
Build your plan
Start with the basics.
- Income
- Assets
- Debt
- Spending
You do not need a perfect financial profile to start.
What does your household earn?
Gross annual income, before taxes.
02
See where you're headed
Arc turns your financial picture into a multi-year plan.
See how today's decisions compound over years — not just months.
Projected net worth
FI at 42$1.24M at 50
Age 40
$520K
Age 45
$740K
Age 50
$1.24M
03
Stay on track
Arc compares what is actually happening with what your plan expected.
Know whether you're ahead, behind, or right on pace — and why.
Forecast · Sep
Ahead this month.
From today NW, we keep your month plan for the rest of Sep.
Daily net worth through Sep — plan pace vs actual vs forecast to month-end.
$305K
Now
$314K
Forecast · Sep 30
$296K
Sep plan
+$18K
Ahead
AI native
Work in Arc, or in the agent you already have open.
The plan is the product. The window is up to you. Ask inside Arc, or connect Arc and keep working where you already talk to an agent.
In Arc
Ask next to the plan. Change a salary, model a house, or ask what happens — without leaving the page.
In your agent
Plug Arc into the agent you already use. You approve access. It reads the same plan and can update income, balances, and assumptions from that window.
My salary is $120K now.
Updated your plan.
+$130K projected impact
Update my salary to $120K. Am I still on track?
Updated in Arc.
Salary is $120K. Age-50 net worth moves to $1.31M. You are still on track.
Life changes. Your plan should too.
Model major decisions without changing your base plan.
Base case
Age 50 net worth
$1.24M
Retire at 45
Age 50 net worth
$0.98M
Buy a second home
Age 50 net worth
$1.06M
Change careers
Age 50 net worth
$1.39M
See yourself in context.
Your financial numbers mean more when you know how they compare.
See what stands out in your financial profile — and what separates you from the next tier.
Explore peer comparisonYour net worth
$312K
You don't need to map your entire financial life on day one.
Start with a few numbers and Arc builds from there.
Tell Arc
Describe your finances in your own words.
“I'm 36, married, make $130K, have $180K invested and a $310K mortgage.”
Connect
Link financial accounts and keep balances current.
Import
Bring in a screenshot, spreadsheet, or another financial tracker.
Demo
Explore a complete plan before entering anything.
Get value first. Add detail over time.
Build my planWhy Arc
Income is the starting point. Ownership changes what comes next.
For most people, building long-term financial security means consistently turning income into assets that can compound over time.
Arc exists to make that process easier to understand, easier to plan, and easier to stay on track with.
Build a plan for turning what you earn today into more options tomorrow.
Free tools for building your plan
Use them without an account. Each one answers a piece of the question Arc answers in full.
Retirement calculator
Project a nest egg from savings, contributions, and a real return, then compare it with spending.
Net worth percentile calculator
See where a household net worth sits in the SCF age band, in July 2026 dollars.
Years to FI calculator
Estimate how long invested assets and contributions take to reach a FIRE number.
FIRE number calculator
Divide annual spending by a withdrawal rate to get a portfolio target.
Learn about your money
- What is a FIRE number?
A FIRE number is annual spending divided by the withdrawal rate you are willing to use.
- The 4% rule
The 4% rule is a starting withdrawal rate from historical research, not a promise.
- Coast FIRE explained
Coast FIRE is the portfolio that can grow to your FIRE number without new contributions.
See where you stand
Household net worth by age, from the Federal Reserve’s Survey of Consumer Finances. Medians and percentiles. No invented average.
Net worth by ageBuild your plan.
Stay on track.
See where you are today, where you're headed, and what it takes to get where you want to go.
Most finance apps track the past. Arc helps you plan the future.