ARKAD Wallet

Overview

ARKAD Wallet is an iOS and Android personal finance management application designed to eliminate spreadsheet friction and manual typing. Built around a voice-first input mechanism, users log daily cash, card, and savings expenses by speaking naturally into their phone. The platform features ARKAD Aura, a gamified financial health score ranging from 0 to 100 that measures tracking consistency and budget management. ARKAD Wallet operates under strict EU GDPR standards and processes data locally on-device.

What it does

• • Parses spoken audio inputs to log daily expense transactions in seconds without manual keyboard typing
• • Calculates ARKAD Aura, a personalized financial score from 0 to 100 that tracks budgeting habits and savings consistency over time
• • Aggregates cash, card accounts, and savings goals into a single real-time net worth balance dashboard
• • Enforces monthly budget limits with real-time visual progress bars and spending category breakdowns.

Who it's for

• Voice-First Smartphone Users
• Everyday Budgeters & Solopreneurs
• Privacy-Conscious Consumers
• Gamified Personal Finance Enthusiasts

Why it works

• Removes data entry friction by allowing users to speak expense transactions rather than typing amounts
• Gamifies financial consistency through the ARKAD Aura score to build long-term tracking habits
• Avoids compulsory bank sync friction, allowing full manual or voice control over personal privacy
• Complies with strict EU GDPR privacy regulations by keeping infrastructure local and secure.

Founder story

ARKAD Wallet was founded in 2026 by Maksim to simplify personal finance management. Frustrated by complex accounting apps and spreadsheets that felt like a second job, Maksim built ARKAD Wallet as a voice-first financial co-pilot. The product focuses on fast audio logging, privacy, and clear financial habit scoring.

Alternatives

• Monarch Money
• Lunch Money
• Balance Pro
• Fina

Comparison overview

• ARKAD Wallet utilizes voice-first speech input to quickly log expenses without manual typing or mandatory bank syncs.
• Alternative tools like Monarch Money or Lunch Money rely on automated bank connections, manual web form inputs, or complex spreadsheet integrations.