ARKAD Wallet - Budget & Tracking
Speak expenses & grow your net worth
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ARKAD Wallet - Control your budget with voice

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ARKAD Wallet is a voice-first budgeting app for people who want financial control without spreadsheet headaches. Reach your financial goals without turning money management into a second job. This launch introduces ARKAD Aura - a personalized financial score from 0 to 100 that measures how effectively you manage your money, highlights your strengths, and helps you build better financial habits over time.

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Maker
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Hey Product Hunt — I’m Maksim, founder of ARKAD Wallet. We built ARKAD Wallet for people who want to budget seriously without turning personal finance into a spreadsheet habit. Since our last launch, we shipped a major update and that’s why we’re back. The biggest addition is ARKAD Aura - a new score that shows how well you’re actually using the app. Instead of only showing transactions and budgets, ARKAD Aura gives you a clearer sense of progress across things like budgeting setup, spending control, tracking habit, and savings growth. We also added dark mode, improved the overall mobile experience. The core idea is still the same: faster budgeting, less friction, clearer decisions. Voice input is a big part of that, especially for people who want to log money quickly and keep the habit alive. Would love your feedback on two things: 1. Does ARKAD Aura make the product feel more motivating? 2. Is the positioning clear enough from the page alone? Happy to answer anything. Thanks for checking us out.
😹 LOL

Could it write my expenses into the Excel sheets or so? :D

Maker

Heeey !

Haha, that's actually a very interesting question! 😄

The funny thing is... spreadsheets are kind of our sworn enemy. 😂 The whole idea behind ARKAD is to help people escape the world of endless Excel sheets and manual budgeting.

So instead of writing your expenses into a spreadsheet, we'd rather help you never need one again. 😉 Just talk to ARKAD, and let it handle the boring stuff for you.

(Although... if enough people ask for Excel export, we might have to make peace with our old enemy. 😅)

 do not make enemies, make collaborators! :D

💎 Pixel perfection

Voice is an interesting angle for budgeting because the hardest part is usually logging things before you forget them. I also like that you frame it as reducing spreadsheet friction instead of adding more finance complexity. Curious how you present ARKAD Aura so it stays motivating and useful without making people feel scored or judged.

Maker

Hey ! 👋

I'm really glad you caught the vibe and intention behind ARKAD 🖤

I think the biggest psychological decision we made was making ARKAD Aura feel less like a grade from a teacher and more like something that's alive, something you naturally want to take care of and improve.

The goal is to create just enough gentle pressure to encourage better financial habits while still feeling supportive.

  That makes a lot of sense. Framing it more like a supportive signal than a report card feels much healthier, especially in a category where people already carry stress. Nice balance.

   the "alive, something you want to take care of" framing makes sense for motivation, but scores like this can also push people toward optimizing the number instead of the underlying decision, cutting a genuinely reasonable expense just because it dented the score that week. has that shown up in testing, and if so how do you tell the difference between someone building a real habit versus someone gaming Aura upward

    That tradeoff is exactly the risk I had in mind. I think the healthiest version is when Aura rewards consistency and reflection more than aggressive cutting, so a reasonable expense doesn't feel like failure.

Maker

   

That's a great point, Gal.

I like that you highlighted this edgcase. The truth is that we spent a lot of time planning the formula and how we calculate Aura.

The Aura score is not actually about if you save a lot of money or how you spend money on extra coffees or snacks. It is more about how you are approaching managing and systemizing your money.

Maker
good, good point. By the way, I think this is a great example that shows how well we architected ARKAD Wallet and the aura feature. The thing is that ARKAD Wallet is not a teacher that is controlling that you're not doing impulsive purchases, but ARKAD Wallet actually allows you to handle and manage and track, for example, unpredicted expenses. The biggest strength of ARKAD Wallet is that it is flexible. Even if something goes wrong or you do something unplanned, ARKAD Wallet will always adjust for you, it is flexible for all people's needs.

    That flexibility point matters. Planned one-offs and unavoidable surprises are exactly where a score can feel punitive, so adapting to context is what keeps it useful.

Like the voice logging! I guess the moment you have to open an app and tap through categories, the habit falls apart, so you handle it well. Wondering... when I say '12 quid lunch,' how often does it get the category wrong? Congrats on the launch!

Maker

Hey !!!

Exactly, my friend. It's so nice to hear that, great that you got the idea :)

ps. I just tried to say exactly "12 quid lunch" and it have no issues😁 (ofc account is missing because we did not specified the account)

🧐 Good find

The UI loks super clean, do you have Import, export data?

Maker

Thanks a lot ! Really happy you like the UI! 🙌

We don't support data import just yet - we're working on bank integrations, so your recent transaction history will be imported automatically once you connect your bank.

As for export, we don't have an automatic option yet, but we're happy to prepare it manually if needed.

By the way, how would you expect import/export to work? We'd love to hear your thoughts! 😊

Voice-first logging is the thing that would actually make me stick with a budgeting app — the friction of opening an app and tapping through categories is exactly why I've dropped every other one. Two day-one questions: when I start fresh, is it purely forward voice-logging, or can I import existing bank/transaction history so the net-worth view isn't starting from zero? And if I ever want to leave, can I export everything I've logged as CSV?

Maker

Thanks a lot,  ! Really glad the voice-first approach resonated with you! 🙌

At the moment, we don't import historical data. Bank statements or spreadsheets usually miss a lot of the context and relationships ARKAD builds over time, so they'd create an incomplete picture.

And yes - you can always export your data from ARKAD if you decide to leave.(ps. but it will not happen because ARKAD Wallet is addicting!!!) 😊

 Makes sense on skipping import — if the value is the relationships ARKAD builds over time, a flat bank dump would just be noise on day one. On export though, what format does it actually come out as — plain CSV, or structured JSON that keeps those relationships? For a voice-logged history I would want the categories and context to survive the export, not just amounts and dates.

Maker

 

Exactly, my friend. We are exporting it in the form of a CSV file with multiple tables so we can keep relations between transactions, categories, budgets, and accounts. If you, for example, upload it to the Claud to analyze, it will understand what is going on and which transactions relate to which budgets and categories.

Maksim, the talking part is the piece that stuck with me. Speaking out loud strips away the exact friction that makes me quietly abandon every money app I try, and that small thing might be what finally makes one stick for me.

Maker

Thanks so much  !

That honestly means a lot to hear. 🙌

That's exactly the kind of friction we wanted to remove. We're really happy the voice-first approach resonates with you, and we hope ARKAD becomes the budgeting app that you love 🖤

Does the ARKAD Aura measure engagement in the usage of the app (were you making expenditures, were you checking your budget), or is it also considering whether you had some financial success (had your spending decreased, had your savings increased) and if it is the former, how do you make sure that you don't reward people for being engaged in the app but not financially successful?