Your budget in the Arro app is designed to help you spend responsibly while staying on track with your financial goals.
How It Works
Your Arro budget is calculated as 80% of your predicted income. This approach gives you a built-in buffer so you can cover essentials, manage spending, and plan ahead without overextending yourself.
Why 80%?
Using 80% of your predicted income helps:
- Encourage healthier spending habits
- Leave room for savings and unexpected expenses
- Reduce the risk of overspending
What Is Predicted Income?
Predicted income is an estimate based on your connected financial data and activity. As your information updates, your budget may adjust to better reflect your current financial situation.
Keep in Mind
Your budget is meant to be a guide, not a limit. It updates over time as your financial picture changes, helping you stay informed and in control.
Still have questions? Reach out to support@arrofinance.com anytime.
3. What is money in vs money out
Money In vs. Money Out is a simple way Arro helps you understand your overall cash flow—how much money is coming into your accounts compared to how much is leaving on a monthly basis. This gives you a clear snapshot of your financial health at a glance.
Money In
This includes any funds that enter your connected bank accounts, such as:
- Paychecks or direct deposits
- Refunds
- Transfers into your account
- Cash App, Venmo, or PayPal deposits (if they appear in your bank transactions)
Money Out
This includes any funds that leave your connected accounts, such as:
- Purchases and card swipes
- Bill payments and subscriptions
- ATM withdrawals
- Transfers out of your account
- Online payments (like Amazon, utilities, food apps, etc.)
Why it matters
Seeing Money In vs. Money Out helps you:
- Know if you’re living within your means
- Spot months where spending increases
- Improve budgeting decisions
- Track progress toward financial goals
- Understand your overall cash flow quickly
- Identify unintended purchases or subscriptions
Where to find it
Go to the Insights tab in the Arro app to view your Money In vs. Money Out chart. It updates automatically based on your linked accounts.
If your numbers look off
- Make sure your bank account is connected
- Check that all transactions have synced
- Refresh the app
- Contact support if you still see gaps
- Keep in mind: It might take a day or two to get the latest numbers sometimes, especially with pending transactions.