Add two shortcuts, once.
One for Apple Pay, one for your bank's SMS alerts. It takes about three minutes in Apple's Shortcuts app, and rilio checks each step as you go.
The expense tracker for when you forgetNewAlready on rilio? Turn on auto-capture
You'll forget to log it. rilio won't.
Every tracker works while you remember. rilio keeps working when you don't: on iPhone, your Apple Pay, UPI and card payments log themselves, even with your phone locked. Slipped for a few weeks? One bank statement catches you up. And no bank login, ever.
About a coffee a month, and a lot less than not knowing.
On a computer? Scan to open rilio on your phone.
7-day free trial · No bank login · Automatic on iPhone · Also on Android
The real problem
Every tracker works on day one. Then you forget.
Expense trackers assume you'll remember to log every spend. Nobody does, and that's exactly when they stop working.
You miss one, then a week
Day one, every coffee goes in. Then a busy week, a trip, a payment you never think about again. Nobody quits tracking on purpose. You just forget.
The ones that don't need you want your bank password
Trackers that log for you start with a “connect your bank” screen. The rest only know what you remember to type. Neither should be the price of knowing where your money went.
So the numbers stop being true
A few missing spends and the totals are wrong. A tracker you can't trust is one you stop opening, and the small leaks go back to leaking.
So I built rilio for the days you forget: it logs payments on its own, catches up from a statement, and nudges you when it matters. All without your bank login.
How it works01 02 03 Already have rilio? Open the setup guide
Set it up once. Then forget about it.
rilio doesn't need you to remember anything. It reads what your iPhone already knows, Apple Pay and your bank's texts, instead of asking for your bank password.
Pay, and forget about it.
Tap Apple Pay, pay by UPI or card. rilio logs it on its own with the amount, merchant and category, even with your phone locked. No bank login.
Forget to check? It tells you.
A Monday check-in shows how your month is tracking, and rilio warns you before you run low or a bill is due. You never have to remember to look.
Watch it set up on a real iPhone.
Two shortcuts, one for Apple Pay and one for bank SMS. Each is Add Shortcut, then switch on Automation.
6 steps · 0:21
On Android, or paid cash? Log it in five seconds by typing or saying it. See how
Auto-captureiPhone only
Forgot to log it? It's already in rilio.
Apple Pay taps and bank SMS alerts together cover every way you pay, so the spends you'd never remember still land, with the amount, merchant and category. No bank login: rilio only sees what Apple's Shortcuts app hands it.
Part 1
Apple Pay taps log themselves.
Pay in a store and rilio saves it on its own: amount, merchant, card and category. No typing, no opening the app, even with your phone locked.
- Every card in your Wallet
- Works when locked
Part 2
Bank SMS catches everything else.
UPI, debit cards, online Apple Pay and money you receive come in from your bank's SMS alerts. rilio links each SMS to its tap, so a payment is never counted twice.
- Online Apple Pay
- UPI & debit cards
- Money you receive
Both take about three minutes to set up. Quickest on iOS 27. Included in rilio Pro and the free trial.Open the setup guide
Automatic, and still numbers you can trust.
- One payment, one entryA tap and its bank SMS are linked, never saved twice.
- Declined taps disappearWhen your bank's decline SMS arrives, rilio removes the entry.
- Refunds find their purchaseMatched to the original payment, never counted as income.
- Bills and transfers left outCard bill payments and moves between your own accounts don't inflate spending. Cashback lands in Cashback & Rewards.
- Nothing lost offlineEvery capture is saved on your iPhone first and syncs when you're back online.
- Your messages stay yoursPersonal texts and one-time passwords never leave your iPhone. Message text is never stored.
WidgetsiPhone · iOS 17+
Forget to check? It's on your Lock Screen.
Your numbers live on your Home Screen, Lock Screen and in StandBy, so you see where the month stands without opening anything.
- Safe to spend, on your Lock ScreenToday's allowance, this month's total and your budgets, before you've even unlocked.
- Bills before they hitWhat's due next, with “Tomorrow” and “In 3 days”, plus your monthly total.
- Log in one tapQuick Log on your Home Screen, and Log Expense, Voice Log and Scan Receipt in Control Center.
- Ten widgets in allThis Month, Spending Pulse, Recent Activity, Split Balances, Needs Review, Insight and more, in small, medium and large.
For everything else
Cash, Android, or a month you missed? Catch up in seconds.
Say it or type it like a text to a friend. Forgot for weeks? Drop in a bank statement and every transaction comes back at once.
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.
On iPhone, there's Back Tap too: tap the back of your phone to start logging 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.
| What you get | Other trackers | rilio |
|---|---|---|
| Keeps tracking when you forget, without your bank password | ||
| Log a spend in about five seconds | ||
| AI sorts every transaction for you | ||
| Type, speak or paste anything it can't see | ||
| Never sells your spending to advertisers | ||
| No ads between you and your money | ||
| Costs about a coffee a month, nothing hidden |
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, and the first week I forgot, the numbers were useless.
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. Then I went further: on iPhone, your payments now log themselves, so forgetting doesn't matter.
This is the app I needed, so I built it.
If you like rilio, check out my other project: FeedbackDock.
NikethDeveloperQuestions
Short, honest answers.
That's what rilio is built for. On iPhone, Apple Pay, UPI and card payments log themselves once auto-capture is set up, so there's nothing to remember. If you've slipped for weeks, upload a bank statement PDF and catch up in one go. For cash or on Android, a five-second note does it: type “lunch 12” or just say it.
Yes, on iPhone. Apple's Shortcuts app hands each Apple Pay tap to rilio in the background, with the amount, merchant and card, even when your phone is locked. Set up bank SMS alongside it and rilio also catches UPI, debit cards, online Apple Pay and money you receive, linking each SMS to its tap so nothing is counted twice. You need both, because Apple Pay only reports in-store taps. Setup takes about three minutes. It's part of rilio Pro (the free trial included) and isn't available on Android. Read the setup guide
No, and you couldn't even if you wanted to. rilio has no “connect your bank” step. You log spends by typing, speaking, or pasting the SMS your bank already sends you, and on iPhone, Apple Pay payments and bank SMS can log themselves through Apple's Shortcuts app. Still no bank login. That's the whole point.
Yes, on iPhone with iOS 17 or later: ten widgets for your Home Screen, Lock Screen and StandBy, showing what's safe to spend today, this month's total, upcoming bills, budgets, split balances and more. On iOS 18 you can also add Log Expense, Voice Log and Scan Receipt buttons to Control Center. Widgets show your numbers with rilio Pro, including the free trial. See every widget
No. iOS never lets an app read your messages. You choose a keyword like “Rs” in Shortcuts, and only messages containing it are passed to rilio. rilio then checks each one on your iPhone and only sends real bank alerts. Personal messages and one-time passwords never leave your phone, and message text is never stored.
Two plans: $4.99 a month, or $44.99 for the whole year (about $3.75 a month, close to three months cheaper than monthly). Both start with a 7-day free trial, so you only pay if rilio earns it. For most people a forgotten subscription or two turns up in the first weeks, which tends to cover the cost of the year on its own.
Never. There are no ad SDKs in rilio and no data-broker deals. I make money when you subscribe, and that is the entire business model. Your spending is never sold or used for ads.
Yes. Upload a bank or credit card statement PDF and rilio's AI extracts every transaction: merchant, amount, date, category. It flags anything that looks like a duplicate, you review and edit the list, then import only what you want. You can also paste a batch of bank SMS alerts the same way. It's a Pro feature.
Tap it and change it; it takes a moment. The AI is right the large majority of the time, and you're always the final say on where a transaction lands.
Yes. rilio is live on both the App Store and Google Play, so you can download it today on iPhone or Android.
Anytime. rilio stores only what you put in, you can request full deletion whenever you want, and it's GDPR-compliant. Full details are in the privacy policy.
Now on iOS & AndroidRead how I handle your data
Know where your money went, even the bits you forgot.
Three minutes of setup on iPhone and your payments log themselves from then on, whether you remember or not. Free for 7 days, then $4.99 a month if it earns its place.