The first finance app built for households, not individuals.

Most budgeting apps assume one person, one set of accounts, one financial life. ArcaTrust assumes a family — with shared budgets, separate logins, kids learning along the way, and the full picture in one place.

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Free to join · We’ll email you when access opens · No spam

Three things every household needs. One app that does all three.

Budget together

Every dollar gets a job. Every family member sees the plan. No more 'wait, who paid for that?'

  • ✓Zero-based budgeting with annual + monthly grid views
  • ✓Elle’s Way envelope budgeting for cash management
  • ✓Real-time sync across every household member
  • ✓Inline editing — no modals, no friction

Plan together

Bills, savings goals, big purchases, retirement. The whole household sees what’s coming and what it costs.

  • ✓Cash flow forecasting (30/60/90 day)
  • ✓Paycheck planner — which bills come from which paycheck
  • ✓Shared savings goals with progress tracking
  • ✓Bill calendar everyone can see

Grow together

Investments, net worth, financial education. Build wealth as a family, not as individuals trying to figure it out alone.

  • ✓Net worth tracking across all accounts
  • ✓Kids mode with age-appropriate financial literacy
  • ✓AI financial coach with 200 credits/month
  • ✓Anomaly detection on every account
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Built by someone who’s actually done the work.

ArcaTrust isn’t a side project from a tech founder who learned about budgeting last year. It’s built by a 25-year finance veteran — VP of FP&A, MBA, ERP implementation experience with SAP and NetSuite — who got tired of telling his own family “just use a spreadsheet.”

Most budget apps are designed by people who think of money the way individuals do. ArcaTrust is designed by someone who’s spent two and a half decades thinking about money the way enterprises do — with structure, accountability, and forecasting — and brought that rigor to the kitchen table.

The result: a household finance app that treats your family the way a good CFO treats a company. Every dollar tracked. Every plan visible. Every member informed.

— Chris Crossett, Founder

Bank-level security

Plaid-secured connections, 256-bit encryption

Your data, your control

Export anytime, delete anytime

No bank credentials stored

We never see or store your passwords

Privacy first

We don’t sell data. Ever.

How ArcaTrust is different

Most budget apps
ArcaTrust
Built for one user
Built for the whole household
Per-user pricing that punishes families
Unlimited household members, one price
Static budget categories
AI-assisted budgeting + envelope option
Generic financial advice
AI coach with full context of YOUR finances
Adults only
Kids mode with age-appropriate education
Pretty charts, shallow depth
30+ reports, annual grid, MTD pace, paycheck planner

One price. Whole household.

Family

$25/month

or $250/year (save $50)

Free to join · We’ll email you when access opens · No spam

  • Unlimited household members
  • Unlimited accounts via Plaid
  • All features, no tier limits
  • 200 AI coach credits per month
  • Mobile + desktop access
  • Email support
  • Cancel anytime
Join the Waitlist

Common questions

Connect your bank accounts via Plaid (read-only, no credentials stored), set up your budget, and invite your family. ArcaTrust does the rest — syncing transactions, tracking spending, forecasting cash flow, and keeping everyone on the same page.
Yes. We use Plaid for bank connections (the same service used by Venmo, Robinhood, and most major fintech apps), 256-bit encryption at rest and in transit, and we never store your bank credentials. We also don’t sell your data — that’s not our business model.
Most apps are built for one person. ArcaTrust is built for households. That means unlimited members at one price, role-based permissions (kids see different things than adults), shared budgets and goals, and a kids mode for financial education. It’s the difference between a personal tool and a family operating system.
We'll email you the moment access opens — likely within the next few weeks. There's no obligation; if you decide ArcaTrust isn't for you, just don't sign up. We won't email you again unless you ask.
Yes — we support CSV import for transactions, and we’re adding direct import from common formats (OFX, QFX) over the coming months.
Absolutely. The household-first design doesn’t exclude individuals — it just means you get features (like role-based permissions and shared goals) you don’t have to use. If your situation changes — partner, kids, shared finances — ArcaTrust grows with you without you switching apps.

Run your household like a CFO runs a company.

Free to join. We’ll email you when access opens.

Join the Waitlist