Arc helps the two of you make your biggest money decisions together. You each share your side of the picture, and Arc shows what works for both of you, starting with the big ones: a home, a child, a career change.

You each answer a few questions about your financial situation. Arc then tells you what you can comfortably afford, what would stretch you, and what to talk about before you decide whether you can go ahead with the big things in your life together: a house, a child, a career change.

How much does Arc cost?

Arc is free for users. If we ever refer you to a product like a mortgage or an ISA, we may earn a referral fee. We'll always show you the fee, and a referral is never a recommendation to buy. The decision is always yours.

Does my partner have to be there?

Not to start. You can send them a link when you're ready, and they can add their side of the picture in five minutes.

Can AI not do the same thing?

Not really. AI can crunch numbers if you paste everything in, every time. What it can't do is give both of you the same reference point. Arc is built for two people to see the same verdict, surface where you see it differently, and stress-test the assumptions behind it. It shows its working, so you can change what doesn't fit, and it remembers your setup so you don't start from scratch each time the decision evolves, all while keeping your data safe and private.

Where is my data stored?

In a database hosted in London. You sign in with a one-time code sent to your email, so there is no password to steal or reuse.

Do you sell my numbers or pass them on?

No. We never sell them, and never pass them to lenders, brokers or advertisers. The companies that run Arc for us, such as our database host, handle them only on our instructions.

Do I need to connect my bank?

No. Rough numbers are all Arc needs.

Currently in beta testing

A couple weighing up a decision together

Your biggest money decisions, made together.

Big financial decisions deserve better than spreadsheets, guesswork, and crossed fingers.

Arc turns your numbers into real scenarios, honest trade-offs and one clear verdict you can both stand behind.

Private by default. Free to try.

Let's begin

What's your next big move?

Five minutes. No account needed to see your verdict.

Doing the maths isn't even the hardest part. Agreeing on what it means is.

Your bank shows what you spend. Your budget app shows what's left. Your mortgage broker shows what you can borrow. But none of them tell you what's right for the two of you, or give you the confidence to move ahead.

Your bank

Shows what you spent.

Current account

£17,530.45

Whole Foods−£84.46

Trainline−£36.80

Your budget app

Shows what's left.

Monthly budget

£1,245 left of £3,200

Groceries£420

Transport£180

Mortgage broker

Shows what you can borrow.

Borrowing power

£575,000

Est. monthly payment

£2,452 /mo

But none of them answer the question you're actually asking each other:

"Can we actually afford this? And will it still feel right in three years?"

Arc brings it all together. Real scenarios, honest trade-offs, one clear verdict.

Know what's possible before you commit.

In five minutes, you'll know what the decision really means for you. What you can afford. What you'd be giving up. Where you and your partner see things differently.

1

Tell us where you are.

Your finances, preferences and the home you're weighing up. Rough numbers are fine.

Your monthly take-home

You£3,500

Your partner£2,800

If something unexpected came up, you'd want to feel…

Plenty of buffer

A bit stretched

We'd manage

What Arc considers

Your financesYour goalsYour prioritiesFuture scenariosStress tests

Arc decision model

Trade-offs weighed

ARC'S VERDICT

You can afford this

2

Arc does the hard thinking.

It weighs it all up and then pressure-tests it against what could actually happen.

3

See where you land.

You get one clear verdict you can both understand, trust and stand behind.

COMFORTABLE

You can afford this

This fits your comfort range.

Monthly cost£1,870

Safety buffer2.1 months

Impact on goalsOn track

Free to try. No account needed.

What makes Arc different.

Built for two, not one.

Every decision has two perspectives. Arc helps you see where you agree, where you differ and how each option affects you both.

Real numbers. Real trade-offs.

Every verdict comes with what you'd be giving up: slower savings, a thinner buffer, less flexibility. So you decide with your eyes open.

A verdict that holds when life changes.

Arc pressure-tests every answer against the futures that could actually happen, a rate rise, a career break, a new baby, so you know it holds up beyond today's numbers.

Every situation is different

A verdict you can both trust.

Here are the kinds of answers Arc gives. Flick through, starting with the hard one: when you don't see it the same way.

When you don’t agree

Where you both feel comfortable.

What £380k would cost you.

And what £345k protects.

Within your range. Almost within Tom's.

Jointly affordable, but you each draw the line in a different place.

Worth a conversation

SSarah's comfort rangeup to £360k

TTom's comfort rangeup to £405k

You both land comfortably between £330k and £360k.

£380k delays retirement 18 months£345k keeps your emergency fund

Sarah wants more buffer. Tom is happy to stretch. Arc doesn’t pick sides. It shows where your comfort zones overlap, and what each compromise really means. In numbers, not vibes.

When it comes at a cost

A thin buffer. One surprise and you would feel it.

You would hit your goal two years later.

Possible, but it pushes your goals back.

You can do this. You’d just feel it later.

Worth weighing up

Monthly cost£2,180

Safety buffer1.4 months

Retirement goal+2 years

Every £10k on the price adds around 5 months to your timeline.

Doable, but you’d feel it down the line. Arc shows you exactly where.

Five minutes. No account needed.

Built on trust, not commission.

Arc only works if you believe the verdict. So we make money in a way that never bends the answer, and we're clear about how.

Honest by design.

Arc doesn't sell advice. If we ever refer you to a product, we'll tell you what we make from it, and a referral is never a recommendation to buy.

Your decision. Always.

Arc gives you a clear read, not a directive. You two make the final call.

Private by default.

Your numbers, your scenarios, your verdicts. Nothing is shared unless you choose to.

Your questions, answered.

Arc helps the two of you make your biggest money decisions together. You each share your side of the picture, and Arc shows what works for both of you, starting with the big ones: a home, a child, a career change.
You each answer a few questions about your financial situation. Arc then tells you what you can comfortably afford, what would stretch you, and what to talk about before you decide whether you can go ahead with the big things in your life together: a house, a child, a career change.
Arc is free for users. If we ever refer you to a product like a mortgage or an ISA, we may earn a referral fee. We'll always show you the fee, and a referral is never a recommendation to buy. The decision is always yours.
Not to start. You can send them a link when you're ready, and they can add their side of the picture in five minutes.
Not really. AI can crunch numbers if you paste everything in, every time. What it can't do is give both of you the same reference point. Arc is built for two people to see the same verdict, surface where you see it differently, and stress-test the assumptions behind it. It shows its working, so you can change what doesn't fit, and it remembers your setup so you don't start from scratch each time the decision evolves, all while keeping your data safe and private.
In a database hosted in London. You sign in with a one-time code sent to your email, so there is no password to steal or reuse.
No. We never sell them, and never pass them to lenders, brokers or advertisers. The companies that run Arc for us, such as our database host, handle them only on our instructions.
No. Rough numbers are all Arc needs.

One decision today. Every decision after.

Today, we help couples like you buy a home. Tomorrow, we'll help you navigate everything that comes after: family, careers, the life you're building together.

Buying a homeAvailable now

Having a childComing soon

Buying a carComing soon

Changing careersComing soon

Supporting parentsComing soon

RetirementComing soon

And any other big decision, personalised to youOn the horizon

Make your biggest decisions
together, with confidence.

Five minutes. No account. Private by default.

Get in touch

Whether you have a new idea for us, need help with your Arc account, want to complain, or just want to say hello, we’re one message away and we’d be more than happy to help.

Contact us

We’ll try to respond within one working day.