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.
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.
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.
Not sure which one is you?
Take the 2-minute money mindset scan →Do I have to connect my bank account?
There's no bank connection at all, for anyone — Arctoga only reads what you give it: a photo of a receipt, or a PDF statement you download yourself and upload. Nothing talks to your bank automatically.
Does the free X-Ray ever expire or nag me to upgrade?
No. It's a one-time honest read, not a crippled trial. Upgrade only if you actually want the automation.
Do I need a card to start the free 30 days?
Yes — like most trials, we ask for a card upfront so the plan continues automatically at the end of the 30 days. You're not charged anything today. Cancel anytime before day 30 from your account, no phone call required.