AI Financial Autopilot

Take control of your money without thinking about it

Arkonomy tracks your spending, analyzes patterns, and delivers real AI insights — not generic tips. Built for your actual financial life.

Get Started → View Demo
Bank-level security via Plaid
Powered by Claude AI
Free to start
Alex
AI Financial Autopilot
NET BALANCE
$3,275.26
Income
$6,854
Expenses
$2,450
Saved
$3,275
⊙
AI INSIGHT
You're $975 away from "Emergency Fund"
You can safely add $50 from your available balance while keeping a safe buffer.
Add $50 now
United Airlines
Travel · Mar 29
-$500
Uber
Transport · Mar 27
-$6.33
Payroll
Income · Mar 13
+$5,850
Saved this month
+$340
↑ 18% vs last month
JM
SR
AK
DL
TP
★★★★★ 4.9 from beta users
65+ transactions tracked
AI insights daily
Bank-level security
Built for real life

Everything you need.
Nothing you don't.

Automatic Tracking

Connect your accounts once. Every transaction is categorized and tracked in real time — no manual entry ever.

⊙

AI Insights

Not generic advice. Real analysis of your patterns, anomalies, and habits. Insights specific to your numbers.

Smart Budgeting

Arkonomy sets budgets based on your actual spending history — not a template built for a generic person.

Monthly Comparisons

See exactly how this month compares to last. Spot trends before they become problems.

Bank-level security

Your data is safe. Always.

Read-only access

We never store your credentials. Plaid connects directly to your bank using the same technology trusted by Venmo and Coinbase.

256-bit encryption

All data encrypted in transit and at rest using AES-256. The same encryption standard used by the world's major banks.

Zero data selling

We never sell your financial data. Ever. Your money information stays yours — it's used only to generate your personal insights.

Secured by Plaid
Hosted on Vercel
Powered by Claude AI
Why Arkonomy

Stop guessing. Start knowing.

❌ Without Arkonomy
✓ With Arkonomy
✗ No idea where money went
✓ Every dollar tracked automatically
✗ Manual spreadsheets
✓ AI does it for you
✗ Generic budget templates
✓ Insights based on YOUR spending
✗ Realize overspending too late
✓ Alerts before it's a problem
✗ Saving feels impossible
✓ Round-ups build savings quietly
Simple pricing

Start free. Upgrade when ready.

$0
/ month
Perfect to start
  • ✓ Connect 1 bank account
  • ✓ Transaction tracking
  • ✓ Basic AI insights
  • ✓ Monthly summary
Get Started Free
Most Popular
$9.99
/ month
For serious financial growth
  • ✓ Unlimited accounts
  • ✓ Full AI insights & analysis
  • ✓ Savings goals & round-ups
  • ✓ Alpaca investing integration
  • ✓ Spending breakdown & charts
  • ✓ Priority support
Start Free Trial
No credit card required · Cancel anytime
FAQ

Common questions

Is it safe to connect my bank account? +
Yes. We use Plaid — the same technology used by Venmo, Coinbase, and thousands of other apps. We get read-only access and never see your login credentials.
Which banks are supported? +
Over 12,000 US financial institutions including Chase, Bank of America, Wells Fargo, Citi, and most credit unions.
Is Arkonomy really free? +
The core features are completely free. We offer a Pro plan for advanced AI insights, investing features, and unlimited account connections.
How is this different from Mint or YNAB? +
Arkonomy uses real AI (powered by Claude) to give you specific, actionable insights — not generic tips. It understands your actual patterns and tells you exactly what to change.
Does it work on mobile? +
Yes. Arkonomy is a Progressive Web App — install it on your iPhone or Android from the browser. No app store needed.
What happens to my data? +
Your financial data is encrypted, never sold, and used only to generate your personal insights. You can delete your account and all data at any time.
Real product

The app, not a brochure

Every screen built with clarity in mind. Your finances visible at a glance — not buried in menus.

Transactions
United Airlines
Travel · Mar 29
-$500.00
Uber
Transport · Mar 27
-$6.33
Blue Bottle Coffee
Food · Mar 26
-$8.50
CVS Pharmacy
Health · Mar 25
-$34.20
Payroll
Income · Mar 13
+$5,850
⊙
AI INSIGHT
You overspent $320 this month
Transport hit $590 — $190 above your usual. Most of it: rideshare Friday & Saturday nights.

Switch to transit twice a week → save $120/month.
→ Create a transport budget
⊙
AI INSIGHT
You're $975 away from "Emergency Fund"
Based on your income, you can hit it by August 2025. Add $50 now to stay on track.
→ Add $50 to Emergency Fund
Savings Goals
Emergency Fund 79%
$3,950 savedGoal: $5,000
Vacation Fund 41%
$1,240 savedGoal: $3,000
New Laptop 62%
$930 savedGoal: $1,500
How it works

Three steps to financial clarity

01

Connect accounts

Bank, credit cards, savings — all in one place. Secure, read-only access via Plaid. Takes under 2 minutes.

02

Track automatically

Every transaction categorized and logged. No setup, no manual work. Arkonomy handles everything in real time.

03

Get AI insights

Arkonomy analyzes your patterns and tells you exactly what to do next — specific numbers, specific actions.

Intelligence at the core

AI that works for you,
not around you

Arkonomy AI
Powered by Claude
⊙
You overspent $320 this month.
Transport hit $590 — that's $190 above your usual.
Most of it: rideshare on Friday and Saturday nights.

Switch to public transit twice a week → save $120/month. That's $1,440/year.
→ Create a transport budget

Anomaly detection

Catches unusual spending before it becomes a pattern. Flags forgotten subscriptions automatically.

Trend analysis

Compares this month to last month, last quarter, last year. Shows the direction you're heading.

Actionable advice

Never "spend less on coffee". Always a specific number, a specific category, a specific action.

Real-time updates

Every time you spend, Arkonomy recalculates your position and refreshes your insights instantly.

Spending Breakdown

See exactly where
your money goes

Arkonomy auto-categorizes every transaction so you always know your actual spending split — not a guess.

$2,450
Total spent
Spending by Category
April 2026
Food
28%
$686
›
Shopping
22%
$539
›
Transport
20%
$490
›
Entertainment
16%
$392
›
Travel
14%
$343
›
Monthly Budget · April 2026
On Track
Spent $2,450 of $3,000
✓ $550 remaining · 18% under budget
Save small, build big

Your money grows
while you live your life

Round-ups and savings goals — the small amounts you never notice, automatically moving toward the things that matter.

Emergency Fund
$3,950 / $5,000
+3%
Progress79%
On track forAug 2025
Monthly contribution+$200
+$10
+$25
+$50
+$100
Spare Change
Round-ups from today's spending
Today
Blue Bottle
$3.60 spent
+$0.40
Trader Joe's
$47.30 spent
+$0.70
Shell Gas
$54.20 spent
+$0.80
Spotify
$11.99 spent
+$0.01
Saved today +$1.91
↗ Invest via Alpaca
Financial Insights

Your complete financial picture

Arkonomy scores your financial health and tells you exactly what to do to improve it.

Financial Health Score
41
/100
FAIR
100%
Savings Rate
0%
Budget
3%
Goals
Weekly Summary
Apr 1 – Apr 7, 2025
You spent $847 this week — $120 over your weekly average. Transport and food were the main drivers.
Autopilot Tip
AI Recommendation
Increase your Emergency Fund contribution by $50/month — you'll reach your goal 3 months earlier and earn $38 more in interest.
→ Enable Autopilot
Spending Alert
Transport spike detected
Transport spending hit $590 this month — +47% vs your $400 average. Friday/Saturday rideshare is the main cause.
Arkonomy

Start building better
financial habits today

No credit card. No setup fee. Just your finances, finally under control.

Get Started — it's free View Demo

Powered by Claude · Bank-level security via Plaid