ARKAD Wallet - Voice-first budgeting app to log expenses and grow net worth

What it does

ARKAD Wallet is a voice-first budgeting app that lets you log expenses by speaking naturally. It turns voice input into tidy transactions, helps you create budgets in minutes, track goals, and analyze your progress. The app is designed to be a simple financial co-pilot, cutting the noise of spreadsheets and complex features. It offers a free plan with 30 voice inputs and a premium plan (€2.49/month) with unlimited voice inputs, priority support, and upcoming bank connections.

Who it is for

ARKAD Wallet is for individuals who want clarity on their finances without the friction of manual tracking. Based on user testimonials, it appeals to a range of people: a B2B salesman from Finland, a student from Poland, a tattoo artist from Poland, and a 21-year-old from Ireland. These users appreciate the simplicity, clean design, and voice input feature. The app is positioned for those who have been overwhelmed by notes, spreadsheets, or other budgeting tools.

Why it matters

ARKAD Wallet addresses a common pain point: the difficulty of consistently tracking expenses. Users report that they are logging every expense now and saving more, thanks to the app's effortless design. The app promotes financial independence through education and community, with a mission to make money management normal and aspirational. It emphasizes security with EU-based infrastructure, GDPR compliance, and TLS encryption, and it does not use user data to train AI models.

Launch signal

ARKAD Wallet is live with a website, pricing, and user testimonials. It offers a free tier and a premium subscription. The app is available for download, and the team is building a YouTube and Instagram presence for financial education. Bank connections are listed as "coming soon." The founder is Maksim Pegov, but no funding stage or launch date is disclosed.

Brand and naming

The name "ARKAD Wallet" combines "ARKAD" (evoking a sense of arcade or ark, suggesting a journey or game-like simplicity) with "Wallet" (directly indicating personal finance). The tagline "Speak expenses & grow your net worth" clearly communicates the core value proposition: voice input and financial growth. The brand positions itself as no-nonsense, modern, and user-friendly, with a focus on cutting complexity.