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Arkad

Pay yourself first. The rest spends itself anyway.

One tenth is always yours.

Arkad works out your tenth the moment you log income, shows you what's coming before it arrives and tells you the exact date each loan is paid off.

Tell me when it's out

Out on {mes}. We'll write to you that day and for nothing else.

  • Set aside before you spend
  • See what's coming
  • Every loan with its end date
Arkad on Mac: the month's Purse with what's available, the tenth's ring, the split by category and spending per month
Arkad on iPad: the Plan with fixed bills, the forecast, the savings goal and the tablets of previous months
Arkad on iPhone: the month's Purse with what's available, income and spending, the tenth's ring at 98 % and the rent awaiting confirmation

  • Set aside before you spend

    The tenth's ring sits on the home screen and in the sidebar of every section. It's the book's rule, and Arkad puts it where it can't be missed.

  • See what's coming

    Fixed bills, instalments and goals on the financial-month calendar. What's near, flagged; what doesn't fit, visible.

  • Every loan with its end date

    Real amortization, not a loose instalment. You know what it costs you and the exact day you stop paying.

  • No server. None.

    Your money is your business. The data lives on your device and in your private iCloud; there is no Arkad backend.

  • Your tenth, always in view

    The moment you log income, Arkad sets the tenth apart: the part you keep before the rest slips away on expenses. A ring with the share saved, on the home screen, in the widget and on the monthly tablet you can share.

  • Logging doesn't hurt

    An expense takes seconds on the entry sheet, or you photograph the receipt and Arkad reads the amount, merchant and date with the camera. Your bank's CSV statement comes in at once, columns pre-mapped and duplicates flagged.

  • What's coming, before it arrives

    Fixed bills and savings goals show up on your financial-month calendar, not as a surprise on the day they're due. With a twelve-month forecast so you decide in time, not with the account already in the red.

  • Debt with a visible end date

    Every loan shows its real amortization schedule: how much goes to interest, how much to principal and the exact date it ends. With how much each debt weighs on your income, the interest you've already given away and the payment you could take on without hurting your tenth.

  • The path, cure by cure

    The book's lessons turned into measurable steps: fill your purse, control your spending, make your gold multiply. Arkad measures each one with your numbers and tells you how long you could live without earning anything.

  • No server. None.

    Your transactions live on your device and, if you use iCloud, in your private database. Receipt reading and categorisation happen on the device itself. No analytics, no ads, no profiling: nobody else sees them, not even us.

The three devices

You log on one, decide on another.

An expense gets logged where it happens and a loan gets studied where the figures fit. Arkad isn't the same screen three times: it's the same money, with the right device at each moment.

On the Mac you think

The twelve-month plan, the debts and the tablet fit in one window at once. It's where you see whether the year adds up, or where it stops adding up.

  • The whole purse at a glance

    Income, spending, what's left and the tenth's ring on the same screen, with the split by category and spending per month next to it to compare against the median.

  • Debts in a table

    Every loan with what's outstanding, the instalment, how many remain and the date it ends. And above, how much each debt weighs on your income and what extra payment you could take on.

  • A closed month, on a tablet

    When the month closes, Arkad leaves a round tablet with the tenth, the figures, the days of freedom and a quote from the book. It's archived and shared as an image.

Arkad on Mac: the month's Purse with what's available, the tenth's ring, the split by category and spending per month
Arkad on Mac: Debts with the weight on income, the payment you could take on and the loans table with instalment, remaining and end date
Arkad on Mac: August's round tablet open over the Purse, with the share button

On the iPad you plan

Fixed bills, forecast and savings goals with room to read. It's the Sunday-afternoon screen, with the bank statement in front of you.

  • The month's plan with the forecast below

    What's due this month, the fixed bills, what's free after bills and tenth, and the forecast for the coming months in the same column.

  • The path, cure by cure

    Your level, your days of freedom, the seven cures with their percentage and goal, and the five laws of gold with this week's one in focus. With room for the line from the book that explains why.

Arkad on iPad: the Plan with fixed bills, the forecast, the savings goal and the tablets of previous months
Arkad on iPad: the Path with the level, the days of freedom, the seven cures in two columns and the five laws of gold

On the iPhone you log

An expense not logged in the moment never gets logged. That's why the entry sheet and the camera are the first things Arkad does well on the phone.

  • The entry sheet in two taps

    Amount, account, category, done. Under the amount, how many minutes of your work it is: that's what makes a small expense get a second thought.

  • The receipt, with the camera

    Photograph the ticket and Arkad reads the amount, merchant and date, and suggests a category. All on the device, without uploading the photo anywhere.

  • Widgets and shortcuts

    Your tenth and your next bill on the Home Screen and the Lock Screen. And a Siri shortcut to log without opening the app.

Arkad on iPhone: the entry sheet with 12.40 €, “that's 46 min of your work”, the numeric keypad and the most-used categories
Arkad on iPhone: the month's Purse with what's available, income and spending, the tenth's ring at 98 % and the rent awaiting confirmation
Arkad on iPhone: the Debts screen with the total, how housing and other debts weigh on income, the payment you could take on and the car loan with its end date

€6.99 / year

One subscription. All three devices.

  • iPhone
  • iPad
  • Mac

Per year, not per month. You don't pay per device: what you pay covers iPhone, iPad and Mac, and the Mac app is native, built expressly for the Mac.

Tell me when it's out

The method — Babylon, without the sermon

Seven cures for a lean purse, and five laws of gold.

“The Richest Man in Babylon” (George S. Clason, 1926) is a collection of parables about money still read a century later because it says simple things almost nobody does. Arkad turns them into numbers you can look at every month.

  1. Start thy purse to fattening

    For every ten coins that come in, take out only nine to spend. It's the first cure and the only non-negotiable one: Arkad works out the tenth the moment you log income and marks it done once you've really set it aside.

  2. Control thy expenditures

    Budgeting isn't deprivation: it's knowing where what goes out goes. Arkad splits the month by category, suggests one when you photograph a receipt and shows you the breakdown so leisure doesn't eat the rent without you noticing.

  3. Make thy gold multiply

    What you set aside has to work. Arkad sells no financial products and promises no returns: it measures whether what you save grows or sits still, and tells you plainly.

  4. Guard thy treasures from loss

    The emergency cushion is the part of the book everyone skips. Arkad works out your days of freedom — how long you could live without earning anything — and puts them on the monthly tablet so you can watch them grow.

  5. Get out of debt with a date

    Every loan with its real amortization schedule, its weight against your income and the interest you've already given away. Not to scare you: so the way out has a date and not an intention.

Arkad on iPhone: the Path, with the current level, the days of freedom and the book's cures measured one by one

Cures six and seven — insure a future income and increase thy ability to earn — are there too, and Arkad says honestly when it doesn't yet have anything to measure them with. You don't need to have read the book. If you have, you'll recognise all of it. Arkad uses its own paraphrases and short quotes translated from the original, with attribution.

A clear price. No tricks.

Before paying anything you get 1 year to use all of it, with no monthly plan and no cut-down features. Equivalent price in your region.

Without a subscription, Arkad stays in read-only mode: you see all your data and charts and can always export them. Only logging, importing and restoring a backup need a subscription.

Questions people ask us

What's this about a tenth?

The central rule of “The Richest Man in Babylon”: of every ten coins you earn, keep one before spending on anything else. Arkad works it out the moment you log income and shows it as a ring with the share you've set aside. You can raise the percentage; you can't lower it below ten.

Do I need to have read the book?

No. Arkad works like a normal expense app: you log, you see the month and you keep track of fixed bills and loans. The book sits underneath, in the tenth, in the cures of the Path and in the quotes on the tablet. If you've read it you'll recognise all of it; if not, you might feel like it.

When is it out?

On October 24, 2026. Leave your email and we'll write to you the day it's out, and for nothing else.

What happens when the free year ends?

It's €6.99 a year, with no monthly plan. If you don't subscribe, Arkad goes read-only: you see all your data and charts and can export them as CSV or as a full JSON copy whenever you like. The only things that need a subscription are logging, importing and restoring a backup. Your data isn't touched.

Where is my data?

On your device and, if you have iCloud, in your private CloudKit database, which only you can access. Arkad has no server, no analytics and no ads. The only network addresses it knows are Apple's, for purchases and for iCloud.

Does the receipt photo get uploaded anywhere?

No. Reading the amount, merchant and date happens on the device itself with Apple's text recognition. The photo never leaves the phone and isn't kept once the data is extracted. The category is suggested locally too, with a lexicon of its own and, if your device has it, Apple Intelligence.

Can I import my bank statement?

Yes. Export the CSV from your bank and Arkad suggests which column is the date, which the amount and which the description, flags the transactions you'd already logged so they aren't duplicated and learns categories from what you'd already classified. It also restores a full JSON backup.

Which languages is the app in?

Spanish and English, with your region's currency. This website is in four languages, but the app is in two, and we'd rather say so before you leave your email than after.

Which devices does it run on?

iPhone, iPad and Mac, each with its own interface, not a resized copy. It includes Home Screen and Lock Screen widgets, Siri shortcuts and full accessibility: VoiceOver, Larger Text and Reduce Motion.

Shall we talk?

One email when there’s something worth telling. Not one more — we promise on January’s snow.

Rather write to us directly? contact@falkir.es