Not a spreadsheet. A financial journey — track spending, plan life goals, and learn from people who've built wealth, wherever in the world you're building yours.
Real people, real goals — synced with an accountability partner
🌍 Built for anywhere in the world — pick your country and it localizes automatically
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Track, localizedCategories, currency, and everyday spending patterns that match wherever you live.
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Plan real goalsMarriage, home, children's school fees — turned into a funded monthly plan.
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Learn as you goWealth-building takeaways from books, podcasts and vetted creators, worldwide.
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Stay accountableInvite a partner to see your progress — never your raw transactions.
This is the experience
Tell us about yourself — and let Arc, your built-in AI agent, take it from there: curating a plan around your real numbers, tracking your progress automatically, and keeping you accountable every step of the way.
Here's exactly how that plays out, step by step, from the moment you sign up.
1
Tell us about youA few quick taps — your country, your income band, your goals. No home address or ID required. Under two minutes.
2
Arc builds your dashboardNet worth, this month's budget health, and your goals — assembled the moment onboarding ends, ready before you've even looked.
3
Track without the effortLog a purchase in seconds, or let Arc's gentle nudges remind you before you forget you made it.
4
Arc curates your planTurn "get married in 2029" or "buy a home" into a funded, month-by-month plan with a suggested investment mix, calculated for you.
5
Stay in check, togetherArc checks in on your pace and celebrates progress — and, if you want, an invited human partner cheers you on too.
Real people, real journeys
However you're building — as a student, a salaried worker, a business owner, or a family — ArcOunt meets you where your money actually is.
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Amaka, 22
Final-year student, Lagos
Between a small allowance and a part-time gig, Amaka's money used to just disappear by the third week of the month. She started logging every transport fare and food-court run in ArcOunt's Track tab, and within two weeks Arc showed her exactly where the leaks were — mostly small, frequent purchases she'd never have caught on her own. Now she's building her first emergency fund before graduation, one ₦2,000 top-up at a time, and Learn's bite-sized book takeaways fit perfectly into the ten minutes she has between lectures.
"I finally know where my money goes before it's gone."
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Tobi, 29
Marketing associate, salaried
Tobi earns a steady salary and always meant to start saving for his wedding "properly" — he just never turned it into a real number. ArcOunt's Plan tab did that in under a minute: a 2029 target became a concrete ₦48,500-a-month plan, split across a suggested mix of money-market funds and Treasury Bills. When Arc flagged that he was ₦15,000 over his Dining Out budget with nine days left, one tap shifted ₦5,000 a week back toward the wedding fund instead — no spreadsheet, no guilt trip, just a clear next step.
"My goals stopped being a someday thing and became a monthly habit."
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Chioma, 34
Runs a small fashion business
Running her own business means Chioma's income swings wildly month to month, and for years her personal and business spending lived in the same mental bucket. ArcOunt's budgeting adapts to that reality instead of fighting it — Arc anchors her "needs" budget to her lowest typical month and treats anything above that as a bonus to split between reinvesting in the business, saving, and her own retirement goal. For the first time, she can see her business's growth and her personal wealth as two separate, trackable lines instead of one confusing blur.
"I stopped mixing up 'the business made money' with 'I made money.'"
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The Okafors
Family of four
Rent, two children's school fees, and a long-held dream of owning their own home — the Okafors had the goals, they just didn't have one shared view of the numbers. Now they each track their own spending in ArcOunt, but share a joint view of their household goals: a funded plan for the home, a running education fund for the kids that started compounding the day it was created, and each other as accountability partners who can see progress and pace — without either one seeing every naira the other spends.
"We finally argue less about money and plan more about it."
Join the community
ArcOunt is more than software — it's a growing community of people choosing to get financially aware, one honest number at a time. Every goal funded, every book finished, every budget kept is someone proving what's possible with their money. Come get financially knowledgeable, get exposed to ideas and habits that actually move the needle, and be around people who talk about money like it matters — because yours could be the next story on this page.
ArcOunt
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Already have an account? Log in
Where are you based?
ArcOunt works anywhere in the world — this powers accurate local suggestions: categories, investment options, and currency all follow from here.
Tell us a bit about you
Tailors budget defaults and investment suggestions to your stage of life — not shown to anyone else.
18–24
25–34
35–44
45–54
55+
Employed (salary)
Self-employed / Business
Student
Between jobs
Under ₦150,000
₦150,000 – ₦299,000
₦300,000 – ₦499,000
₦500,000 – ₦999,000
₦1,000,000 – ₦3,000,000
₦3,000,000+
Where do you stand today?
No account linking required yet — just a rough picture so ArcOunt isn't starting from zero.
Yes
Not yet
Under ₦100k
₦100k – 500k
₦500k – 2m
₦2m+
Mutual funds
Stocks / NGX
Forex
Crypto
Real estate
Cooperative / Ajo
None yet
How ArcOunt should show up for you
Tunes how much education content you see and how we nudge you.
Very interested
A little
Just here to track spending
Yes, keep me accountable
Keep it low-key
What's the first goal on your journey?
Pick what matters most right now — you can add more goals anytime from the Plan tab.
💍 Marriage
🏠 Home
🎓 Children's Education
🌅 Retirement
✎ Custom
Almost there
That's all we need to start — no home address or ID required. Add more anytime from Profile.
Add
✦
Meet Arc
Arc is your in-app financial partner — it watches your budget and goals, answers money questions in a dedicated chat, and can read your learning content aloud. With your permission, Arc also adapts its tone and pacing to how you're actually doing.
What Arc reads: your in-app activity only — spending patterns, engagement, goal progress. Never external accounts, never device sensors.
What it's for: proactive nudges, personalized tone/pacing, and grounded answers in Arc's chat.
Your control: turn this off anytime from Profile, or reset what Arc has learned without touching your financial data.
✓ Yes, personalize my experience
Not now, keep it non-adaptive
By continuing you agree to ArcOunt's Terms & Privacy Policy, including Arc's agent terms.
Net worth
Last 12 months · assets minus liabilities
₦4,286,000 ▲ 6.4%
Today's digest
From your Learn feed
Book takeaway
Assets buy you time, not just things
“The Psychology of Money” — wealth is what you don't spend. Tolu, at your current savings rate you're compounding faster than 60% of ArcOunt users in Lagos.
2 min read♡
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Made a purchase today?
A quick tap keeps your budget and goals accurate — Arc picks it up right away.
You're ₦15,000 over your Dining Out budget with 9 days left in the month. Shifting ₦5,000/week to your Marriage goal instead would keep you on pace for your 2029 target.
Informational, not advice. These are current, real options surfaced for your awareness — ArcOunt isn't deciding anything for you. Compare them, or ignore them entirely; the choice is yours.
This month ▾All accounts ▾
Budget health
₦187,400 spent of ₦210,000 this month · 9 days left
Spending by category
Categories localized to your country (Nigeria) · this month
Recent transactions
Auto-categorized · tap to correct
Your goals
Goal detail
💍 Marriage · Dec 2029
Target ₦4,000,000 · 40 months remaining
Required monthly
₦48,500
Range
₦41,000 – ₦57,000
Suggested vehicle mix (by horizon & risk comfort)
Projection to target date
Conservative
Base case
Optimistic
Educational planning estimate only — not personalized financial advice. Assumes indicative T-bill/mutual fund rates, refreshed periodically (see PRD §9.2).
This preview searches ArcOunt's curated library instantly, in-page. Live web search that surfaces an answer directly inside ArcOunt (rather than linking out) is a production capability — Section 6.10 of the PRD.
Original ArcOunt editorial content — not a reproduction of the source. "Read the full guide" is ArcOunt's own longer-form breakdown, not the book's copyrighted text; use "Find this book" to access the real thing. For podcasts/creators, the YouTube link takes you to search results for the original conversation.
⚠
Education, not advice. ArcOunt aggregates and explains public information and surfaces opportunities — nothing here is guaranteed, and none of it is a personalized recommendation.
Opportunities right now
Opportunity Forex · updated today
USD savings plan via a licensed platform
Indicative yield range on dollar-denominated savings this quarter — a suggestion to look into, not a guaranteed return.
⚠ Not guaranteed — do your own research
Opportunity Fixed income · updated today
364-day Treasury Bill — 17.70%
Short-horizon, government-backed. Fits goals 6–18 months out. Rate moves with the next CBN auction.
⚠ Not guaranteed — rates change at auction
Regulatory & policy digest
Policy CBN circular · as of 12 Jul 2026 · source ↗
CBN retains benchmark rate at 26.5% — what it means for your savings
The apex bank held its policy rate steady this cycle. In plain terms: T-bill and money-market fund yields are likely to stay near current levels for now, so short-horizon goals funded through those vehicles shouldn't see a rate shock either way this quarter.
Policy Finance Act update · as of 05 Jul 2026 · source ↗
New tax bracket adjustments — how they touch your take-home
A plain-language breakdown of the latest personal income tax adjustments and what they mean for salaried earners in Tolu's income band, with a link back to the official gazette.
Trusted creator commentary
Creator Verified finance educator · TikTok · 2 days ago · watch original ↗
“Why your salary account shouldn't be your savings account”
A vetted banker-turned-educator breaks down why separating spend and save accounts changes behavior — summarized and attributed, linking back to the original video.
Treasury bills vs. mutual funds — which fits your 2-year goal?
A short explainer comparing liquidity, indicative yield, and risk for a goal roughly 24 months out, tied to the live rate table.
World markets
Major global exchanges and the policy backdrop that moves them. Tap a market for more, then follow the link to the original source.
Savings & investment platforms
Real platforms people actually use to save and invest — local names first, then international ones, including a few less-talked-about picks alongside the well-known ones. Watch a real explainer, do your own research, and make your own choice — ArcOunt isn't picking for you.
Local · Nigeria
International
✦
Hi Tolu 👋 I'm Arc. I can see your budget, goals, and net worth — ask me anything, or tap a suggestion below.
Or try asking about
How's my budget this month?
I earn ₦150,000 a month — how much should I save?
I'm a Nigerian moving to Canada — what should I know?
How can I build wealth in the USA?
Arc reasons from your ArcOunt data, a curated personal-finance & wealth-building knowledge base, and — in the full product — live research, always citing its source. Educational, not licensed financial, legal, or tax advice.
T
Tolu Adebayo
tolu@email.com · Lagos, Nigeria
Accountability
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Arc is your built-in accountability partner
Always on. Arc tracks your budget, goals, and progress and checks in with you directly in chat — this is automatic and can't be turned off.
Human accountability partner — optional
Invite someone you trust to cheer you on. It's entirely your choice whether to have one — they're never auto-assigned, and they only ever see your budget-health and goal-progress as percentages, never your balances, amounts, or individual transactions.
🤝
Kemi Balogun
Invited & accepted · can see: budget health %, goal progress %. Can't see: balances, amounts, individual transactions.
Your activity
🎯 Goals in progress 3
📚 Learn items explored 12 of 34
💬 Questions asked to Arc 0
🔥 Current streak 6 days
Account
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Arc, your agent
Personalize with Arc
Lets Arc adapt tone, pacing, and nudges to your in-app activity. Off = chat and audio still work, just non-adaptive.
Reset what Arc has learned ›
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Data & disclaimers ›
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Edit profile
Linked accounts
Connect a bank or wallet so ArcOunt can track balances and transactions automatically. In this preview, all data is entered manually from Track.
🏦 GTBank •••• 4821 Connected
📱 Opay Wallet + Connect
Notification preferences
Budget alerts
When you're close to or over a category budget.
Goal reminders
Nudges to stay on pace for your goals.
Expense-log nudges
Gentle reminders to log a purchase after you make it.
Weekly digest
A Sunday summary of spending, saving, and goal progress.
Partner activity
When your accountability partner checks in or cheers you on.
Security & privacy
Biometric / PIN lock
Require Face ID, fingerprint, or PIN to open ArcOunt.
Two-factor authentication
Extra code required when signing in on a new device.
Data & disclaimers
ArcOunt is an educational prototype. Nothing shown is financial, legal, or tax advice, and no figures shown are guaranteed returns.
Your financial data stays private by default — your accountability partner only ever sees percentage-level budget health and goal progress, never balances, amounts, or transactions.
Arc reads only your in-app activity (spending, engagement, goal progress) to personalize nudges and chat — never external accounts or device sensors.
Talk to me about your finances — I'm here if you want to think out loud.
Talk to Arc
Anything on your mind about your money? I'm here.
✦
Hey — I'm Arc. Ask me anything about your money, or just tell me what's on your mind.