# Expense Manager - Rialto — AI Budget & Net Worth Tracker

> AI Budget & Net Worth Tracker (iPhone/iPad app by Nicolo Marinangeli.)

- Source: https://appshunter.io/ios/app/expense-manager-rialto/id6804364683 (this page in markdown: same URL + `.md`)
- Developer: [Nicolo Marinangeli](https://appshunter.io/developer/6804364685)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 38 MB
- Languages: American English, French (France), German (Germany), Italian, European Spanish
- Released: 2026-09-04
- Data updated: 2026-11-10

## What is Expense Manager?

Rialto is an AI budget, expense tracker and investment app that keeps the books for you.

You pay for coffee with Apple Pay and the expense is already recorded: on the right account, with the category worked out, without opening the app. It is the only part you set up once — the app walks you through it in three minutes — and after that you touch nothing.

WHAT YOU SEE EVERY DAY
- What you have, what went out today, what is left of the budget
- A budget you can keep per category, as a single ceiling, or as envelopes per account
- A month that starts on payday instead of the first, because that is the span a given sum has to cover
- An end-of-month forecast built on your own pace, not on a generic average

ALL OF YOUR MONEY
- Current accounts, cash, cards, savings accounts
- ETFs, shares, bonds, crypto and metals, with prices that update themselves and coupons that credit themselves
- Recurring investment plans that record themselves when they fall due
- An emergency fund measured on the spending you genuinely could not cut

YOUR BANK STATEMENT, IN TWENTY SECONDS
Import CSV, Excel (.xlsx and .xls), OpenDocument and exported Numbers files. Rialto works out the columns by itself, spots duplicates and lets you choose what to keep. Export to CSV whenever you like, no permission needed.

THE COACH, IF YOU WANT IT
Questions about your numbers, answered with your numbers. On iPhones with Apple Intelligence it runs on the device, with no key and no network. Or connect the model you prefer with your own key, or one running on your own computer. Set up nothing, and no request ever leaves.

WHERE YOUR DATA LIVES
On your phone. If you turn on iCloud, in your iCloud too. There is no account to create, no Rialto server and nobody looking: whoever develops the app never receives a single number. The backup is a file you take with you.

FREE FOREVER
Recording transactions, categories and budgets across three accounts. The charts, the statistics, the CSV export. No limit on how many transactions, no expiry date.

RIALTO PRO
Unlocks what works in your place: expenses that record themselves through Apple Pay, prices that update, the coach, Home Screen widgets, unlimited accounts, full backup and restore, and the month that follows your salary. Monthly or yearly, or a single payment. If you ever stop, you lose nothing you have written: only the automations stop.

ON YOUR WRIST
The Apple Watch app shows what is left to spend until payday, the expenses waiting to be confirmed, your net worth and your balances. Cash spent at the bar goes in with a turn of the Digital Crown, without taking the phone out. Complications put the figure on your watch face.

Terms of Use: https://nicolomarinangeli.github.io/termini/
Privacy Policy: https://nicolomarinangeli.github.io/privacy/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Rialto Pro Monthly | $1.99 | per month |
| Rialto Pro Yearly | $17.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Rialto Pro Lifetime | $29.99 | one-time |


## Is Expense Manager safe?

Not enough ratings yet to assess Expense Manager.

## Is Expense Manager legit?

Expense Manager - Rialto appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Expense Manager is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 2.0.8 — 2026-11-09

IMPROVEMENTS
• New typeface across the app, the widgets and the Apple Watch: rounder and easier to read, with figures always lined up.
• In "To confirm" the time of the purchase sits on its own short line ("7 Nov 11:20").

FIXES
• Some categories could appear twice in the picker (for example "Groceries" or "Home"): the duplicates now merge on their own, with all their transactions.

### 2.0.7 — 2026-11-08

IMPROVEMENTS
• The whole app is smoother: tabs no longer redraw each other, and scrolling and animations run at 120 Hz on iPhones that support it.
• Average price and last price of a position now show the currency symbol; for bonds the price is shown as a percentage.
• In "To confirm" the shop name gets the whole line and is no longer shortened; the amount, in bold, starts the line below.

FIXES
• In the net worth curve on Today, today's dot is no longer cut off at the edge of the card.

### 2.0.6 — 2026-11-08

FIXES
• "What changed" now separates market prices from what you changed yourself: units and positions added or corrected by hand get their own row, and the price row really follows the markets, even when they fall.
• In "To confirm" the AI's answer shows up even if the page is already open.
• "Buy more" no longer records the same purchase twice and keeps the price without rounding it.
• Portfolio from a photo: you can keep the units as they are, row by row.
• A goal whose deadline has passed now says so.

### 2.0.5 — 2026-11-07

NEW
• The free trial week now comes with the monthly subscription too, not just the yearly one. If you're eligible, the paywall says so on the button: 7 days free, then it renews at the monthly price, and you can cancel up to a day before.
• There's one trial per person: if you've already had it on one plan, you won't get it again on the other.

### 2.0.4 — 2026-11-06

NEW
• New switch in the AI settings: "Add shops near where you pay". Turn it on and, when you pay with Apple Pay, the AI gets the names of the businesses a few metres from where you paid, so it recognises even a shop whose card terminal shows only the owner's name. It stays off until you turn it on and needs Precise Location.
• «Buy more» in a holding: enter how much you spent or how many shares you bought and at what price, and Rialto updates the shares and the average price and takes the money from the account you pick.

FIXES
• When you pay with Apple Pay, the confirmation waits a few more seconds and tells you the category the AI picked, instead of "the AI will pick it shortly".
• A shop that shows its owner's name on the card terminal, like many tobacconists, no longer ends up as money given to a person.
• When you update your portfolio from a broker screenshot, shares and invested amount now follow the value and return you see, instead of snapping back to the market price.

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All apps by Nicolo Marinangeli: https://appshunter.io/developer/6804364685

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-10.*