Livingpaycheck to paycheck?
ARCTOGA helps you see where your money goes, organize every receipt, and take control of your family budget in seconds.
What is ARCTOGA?
Every letter carries a purpose.
Every feature reflects a value.
Three steps — one clear picture
Scan a receipt
AI reads every item, tax and payment method in seconds — even from crumpled dark photos.
Upload statements
PDF from Scotiabank, TD or RBC → all transactions auto-linked to your card.
AI Analytics
AI agent studies your spending and tells you exactly where you can save.
Everything your family needs.
AI Receipt Scan
Reads items, taxes, discounts and payment method — even from crumpled photos.
Bank Statements
Upload PDF from any Canadian bank. Transactions auto-categorized instantly.
Manual Entry
Cash, market, transfer — add in 5 seconds directly from your phone.
Analytics & Budgets
Donut charts, monthly trends, expense vs income — all in one dashboard.
Multiple Accounts
All cards and bank accounts in one view. Balance and expenses per account.
Data Security
All data encrypted. Only you can see your data — no one else.
One free look. One plan when you're ready.
No feature tiers to compare — a free one-time X-Ray to see where your money goes, and one plan with everything automated, whenever you want it.
Financial X-Ray
You're not avoidant because you don't care. Manual tracking just doesn't fit how you actually live. So the first step isn't a habit — it's a single honest look at where your money already goes.
- Upload a bank statement, get an instant AI read
- Top spending leaks and forgotten subscriptions
- No manual entry, no ongoing commitment
Pro
Whether it's your own tracking that keeps stalling or a conversation with your partner that turns into blame, the fix is the same: automation that does the busywork, and one shared, judgment-free view so nobody has to keep score.
- AI receipt scanning — snap a photo, done
- Talk to ARIA instead of typing entries
- Overspend alerts before the month ends, not after
- Invite your partner — one shared household view
- Weekly digests instead of confrontations
Not sure which one is you?
Take the 2-minute money mindset scan →