ARKAD Wallet - Budget Tracker

The budgeting app that actually makes sense.

Less time tracking. More control over your money.

ARKAD Wallet brings your budgets, accounts, and savings goals together. Connect your bank, add expenses by voice, and turn everyday transactions into a clearer picture of your finances.

1. Connect your bank. Skip the manual entry.
Connect supported banks through Kontomatik, our secure open banking provider. Transactions appear automatically in the app.

ARKAD never receives or stores your bank login credentials. You choose whether to connect a bank or track your money manually.
Premium includes three bank connection slots, three automatic refreshes per day, and one additional manual refresh per day. Disconnecting a bank releases its slot at the end of its current calendar-month period.

2. Add expenses by voice
Just say what you spent. ARKAD turns your words into a transaction you can review and save.
Less typing. Less effort. More time for everything else.

3. Budget without overthinking
Set monthly budgets, track spending by category, and see what’s left before your next purchase.
Plans change. Your budget can too.

4. All your money in one place
Track cash, cards, and savings together. See your account balances and follow your net worth without jumping between spreadsheets.

5. Save for things that actually matter
A trip. A new laptop. A little breathing room.
Create a goal, set money aside, and follow your progress. Keep savings reserved for what you planned.

6. Smart analytics. Clearer decisions.
Understand where your money goes, spot spending patterns, and see how you’re doing against your budget.
Follow your financial habits with ARKAD Aura, a simple progress score that helps you see what’s working and where you can improve.

7. Built in Europe, with privacy in mind
Our core infrastructure and financial database are hosted in Europe. Connections are encrypted, and you can delete your account directly in the app.
Your money is personal. We treat it that way.

ARKAD Wallet helps you answer the questions that matter:
- Can I afford this right now?
- Am I still on budget?
- Where is my money actually going?

Build a budget that fits your life. Understand your spending. Make room for what matters.
Download ARKAD Wallet and take control of your everyday money.

Terms of Use: https://legal.arkadwallet.com/terms
Privacy Policy: https://legal.arkadwallet.com/privacy