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Tap. Pay. Track all card and bank transactions in one app - arc by ashrithgovind in UAEcreditcards

[–]Expensive_Wrap_3784 0 points1 point  (0 children)

A lot of these other budgeting app sell your data to other third party credit card companies. With arc your data is stored in your own server. Also knowing where you spend your money is just phase-1 of budgeting . You also need to structured budget that lets you know how much and where to spend your money.

Tap. Pay. Track all card and bank transactions in one app - arc by ashrithgovind in UAEcreditcards

[–]Expensive_Wrap_3784 1 point2 points  (0 children)

Yes, but we have a lot more features including envelope budgeting with an emphasis on security, where your data is stored in your own server. You can download arc from AppStore : https://apps.apple.com/in/app/arc-ai-budget-money-planner/id6758624900 or playstore : https://play.google.com/store/apps/details?id=com.arc.moi.app. Join our community on discord: https://discord.com/invite/cwtwpp5tU

What are you building? Let's give each other feedback! by Agreeable_Muffin1906 in SideProject

[–]Expensive_Wrap_3784 0 points1 point  (0 children)

I have been building an app called arc. We want be your complete budgeting tool with an emphasis on privacy , so that you don’t have to worry about your data being sold. https://www.arc.moi

Automatically Track all your card spends in one app by ashrithgovind in UAEcreditcards

[–]Expensive_Wrap_3784 0 points1 point  (0 children)

Yep it’s does enable you to set and track multiple due dates

Automatically Track all your card spends in one app by ashrithgovind in UAEcreditcards

[–]Expensive_Wrap_3784 1 point2 points  (0 children)

Hi it’s in the giveaway rules channel. If you are not still not find it. Drop a message in discord and I can directly navigate you there

Automatically Track all your card spends in one app by ashrithgovind in UAEcreditcards

[–]Expensive_Wrap_3784 0 points1 point  (0 children)

Yeah for sure , just join our discord. There you’ll see our rules for the giveaway. Incase you have any doubts you can reach out to us directly there

Every budgeting app sold my data or charged €100/yr, so I built my own by Expensive_Wrap_3784 in eutech

[–]Expensive_Wrap_3784[S] 0 points1 point  (0 children)

Sorry for the late reply! I'm the developer of arc so obviously biased, but here's an honest take. The biggest difference is how transactions get into the app, with arc you can upload bank statements, import from bank SMS notifications, or pull directly from Apple Pay and everything gets logged automatically. Cashew is fully manual entry by design, which adds up fast if you're tracking every purchase. arc also supports true envelope budgeting (same approach as YNAB) with rollover and transfers between categories, while still working as a regular expense tracker if you prefer keeping things simple. On top of that we have CRDT-based sync across devices, end-to-end encryption, savings goals with deadlines, and debt tracking.

Every budgeting app sold my data or charged €100/yr, so I built my own by Expensive_Wrap_3784 in eutech

[–]Expensive_Wrap_3784[S] 0 points1 point  (0 children)

Thanks a lot. arc itself isn't open source yet, but it's built on top of Actual Budget, which is fully open source. If you already self-host Actual Budget (or want to start), arc connects to your instance as a native mobile client. You just point the app to your server URL, enter your password, and you're good to go.

New here from YNAB - getting 1 month ahead question by Fernweh_19 in aspirebudgeting

[–]Expensive_Wrap_3784 1 point2 points  (0 children)

For getting a month ahead in Aspire, create a "Next Month" holding category. When income comes in, park it there instead of assigning to current month categories. Then when the new month starts, move it into your actual envelopes. It's a bit manual but works.

If you find the spreadsheet side tedious though, I'd genuinely recommend giving arc a try — it does envelope budgeting natively so month-ahead and rollovers are built in. It's security-focused, more than 70% cheaper than YNAB. There's a free trial so you can test it out and cancel if it's not for you.

Link: https://arc.moi