Log it the moment it happens.
At the counter, before you've even pocketed your phone, type it, say it, or paste the bank text. “Coffee, 4 bucks” is enough.
Where did my money go?
Knowwhereyourmoneyactually goes.
Your salary lands, and three weeks later you can't say where half of it went. rilio finally answers that: where it really goes, in plain numbers you can actually trust, with no bank login and no spreadsheet. Logging a spend takes five seconds. The AI does the rest.
About a coffee a month, and a lot less than not knowing.
7-day free trial · No bank login, ever · On iOS & Android
The real problem
You're not bad with money. You just can't see where it goes.
The spending was never the hard part. Not knowing is the part that quietly costs you, month after month.
Payday to broke in three weeks
Your salary lands and everything feels fine. Then it's the 22nd, the balance is thin, and you genuinely can't account for where most of it went.
The apps that could help want your bank password
You download a tracker, hit the “connect your bank” screen, and quietly close it. Finding out where your money goes shouldn't cost you your banking login.
So the small leaks keep leaking
The subscription you forgot. The daily delivery. The “it's only a few dollars” taps. None of it feels big in the moment, and you never see the total.
I built rilio to end that exact feeling, so the next time you wonder where it all went, you just open the app and see.
How it works01 02 03
Five seconds to log. The rest runs itself.
No bank connection. No setup. No weekly admin to keep up with. This is the entire app.
Let the AI file it for you.
rilio reads the amount, the merchant, and the category, and sorts it into Food, Rent, Travel, and the rest. You never touch a dropdown.
See the answer you've been guessing at.
Open rilio and there it is: where your money actually went this month, in plain numbers. No dread, no guessing.
See it in action
Logging only works if it's effortless.
Five ways in, whichever is fastest in the moment. Pick one and watch it actually happen.
Type it like a text message.
Write it the way you’d tell a friend: “spent 12 on lunch”. rilio’s AI pulls out the amount, the place, and the category. No forms, no dropdowns.
And on iPhone, a fifth way: set rilio as a Back Tap shortcut, then double-tap the back of your phone to log in an instant.
“Spent $12 at Chipotle”
$12ChipotleFood
“Forty bucks on gas”
statement-apr.pdf42 found
Whole Foods Market$84.20
Shell Gas Station$52.00
Trader Joe's$31.40
Where did my food spend go?
You spent $284 on food this month, up 12%. Most of it was eating out.
Can I cut it down?
Rilio Split
When the bill isn't just yours. Split it without the spreadsheet.
Trips, flats, roommates, the group dinner that someone always covers. rilio keeps the running tally so no one has to do the awkward math, or the awkward reminder.
A group for every trip, flat, and friend.
Spin up a shared group with a name and an icon, add up to 50 people, and see it all at a glance: total spend, who paid, and exactly what you owe or you're owed. A gentle fairness hint even nudges whose turn it is to pay next.
Split equally, or down to the cent.
Log who paid, pick exactly who's in, then split evenly or enter exact amounts — with live math as you type. Remainders are divided so the balances always reconcile to zero.
Fewer payments, no awkward chase.
rilio simplifies a web of debts into the fewest transfers — three payments become one. Mark cash as paid, or settle by UPI in India: it opens your app prefilled with amount, payee, and memo.
One tap to invite anyone.
Share a branded link that works on WhatsApp, Telegram, anywhere. Friends who aren't on rilio yet see a preview of the group before they join — or they can paste a code by hand.
Rent and subscriptions, on autopilot.
Set rent, utilities, or streaming to post themselves — weekly, biweekly, monthly, quarterly, or annually. Pause and resume whenever plans change.
See where the group's money went.
Total spend, average, and the largest expense, broken down by category and by who paid. Export the whole ledger to CSV or PDF when you need the receipts.
One currency, no mental conversion.
Each group is locked to a single currency at creation, so everyone sees the same numbers — no guessing exchange rates, no confusion at settle-up.
Why rilio
I've used the other trackers. So I built mine differently.
Every line below is something the others got wrong, and something I refused to ship in rilio.
Other trackers
Works without your bank password
Log a spend in about five seconds
AI sorts every transaction for you
Type, speak, or paste. Your call
Never sells your spending to advertisers
No ads between you and your money
Costs about a coffee a month, nothing hidden
rilio
Works without your bank password
Log a spend in about five seconds
AI sorts every transaction for you
Type, speak, or paste. Your call
Never sells your spending to advertisers
No ads between you and your money
Costs about a coffee a month, nothing hidden
Pricing
It pays for itself the first leak it catches.
Every feature, free for seven days. Keep it only if it earns its place, and most months it earns it back the first time it surfaces a charge you forgot you were paying.
Monthly
$4.99/ month
7 days free, then billed monthly. Cancel anytime, your data stays yours.
Yearly
$44.99/ year
7 days free, then just $3.75 a month, billed yearly, close to three months free versus paying monthly.
Both plans are the full app. Nothing held back:
- Log by typing, speaking, or pasting
- AI categorises every transaction
- Your full monthly spending breakdown
- No ads, no data selling, ever
rilio is $4.99 a month, about one coffee. The difference is this one shows you where the rest of them went. The yearly plan, $44.99, runs about nine coffees for the whole year, and the first forgotten subscription it surfaces usually costs more than that.
From the person who built it
I'm not a bank, and I'm not chasing your data. I built rilio because I wanted it myself: a way to see where my money goes without handing my bank login to strangers.
— Niketh- I never see your bank passwordThere's no “connect your bank” step in rilio. There's nothing for anyone, me included, to leak.
- I don't sell data. There's no one to sell it to.No ad SDKs, no brokers. rilio is paid for by the people who pay for rilio. That's the whole business.
- Your data stays yoursrilio keeps only what you put in. Ask for it deleted and it's gone. And the privacy policy is in plain English, not lawyer.
The person behind it
Why rilio exists
A little bit about why I built it.
Hi, I'm Niketh 👋
I downloaded 11 expense apps in 2 years. I deleted every single one within a week.
Not because I'm bad with money. Because every one of them made me work just to log a coffee.
The closest thing to frictionless I ever found? Apple Notes.
So I built rilio. You log expenses the way you'd text yourself: voice or type, done in seconds.
This is the app I needed, so I built it.
If you like rilio, check out my other project: FeedbackDock.
NikethDeveloperQuestions
Short, honest answers.
No, and you couldn't even if you wanted to. rilio has no “connect your bank” step. You log spends yourself by typing, speaking, or pasting the SMS your bank already sends you. That's the whole point.
Now on iOS & AndroidRead how I handle your data
Stop guessing where your money went.
Download rilio, log your first expense in the next five seconds, and let this be the month you actually find out. Free for 7 days, then $4.99 a month if it earns its place.