# Rafin

> All-in-one personal finance app for budgeting, savings, and expense splitting. (iPhone/iPad app by Ranjan Goyal.)

- Source: https://appshunter.io/ios/app/rafin/id6757646492 (this page in markdown: same URL + `.md`)
- Developer: [Ranjan Goyal](https://appshunter.io/developer/1530223436)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 49 MB
- Languages: American English
- Released: 2026-01-22
- Data updated: 2026-07-09
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/rafin/id6757646492/reviews.md

## What is Rafin?

The all-in-one personal finance app. Track budgets, set savings goals, get AI insights — AND split expenses with friends when you need to.

BUDGETING MEETS BILL SPLITTING

Unlike apps that only do budgeting or only do splitting, Rafin gives you everything in one place.

PERSONAL FINANCE FEATURES

Budget Tracking
• Set monthly budgets by category
• Track every dollar you spend
• Get alerts when approaching limits

Savings Goals
• Set financial goals (vacation, emergency fund, new car)
• Track progress over time
• Stay motivated with visual progress

Expense Tracking
• Add expenses in seconds
• Scan receipts with AI (Pro)
• Categorize spending automatically

Insights & Analytics
• View spending trends and patterns
• See where your money goes
• AI-powered recommendations (Pro)

EXPENSE SPLITTING FEATURES

Group Splitting
• Create groups for trips, roommates, events, or couples
• 5 split types: equal, exact amounts, percentage, shares, itemized
• Track who owes what in real-time

Smart Settlements
• See all balances at a glance
• Simplified debt calculation
• Record payments instantly

Multi-Currency
• 150+ currencies supported
• Perfect for travel and international groups

PRO & ULTIMATE FEATURES

• AI Receipt Scanning — scan & split receipts automatically
• Recurring Expenses — automate regular bills
• Bank Sync — connect accounts securely (Ultimate)
• Unlimited Groups — no limits on groups or members
• Export Data — download as CSV or PDF

PERFECT FOR

• Personal budgeting & expense tracking
• Couples managing joint finances
• Roommates splitting rent & utilities
• Travelers tracking trip expenses

SECURE & PRIVATE
• Bank-grade encryption
• No ads, ever
• Your data stays yours

Terms of Service: https://rafin.app/terms
Privacy Policy: https://rafin.app/privacy

## Key features

- Budget tracking by category
- Savings goal setting and progress tracking
- Real-time expense tracking
- AI-powered insights and recommendations
- Group expense splitting with multiple methods
- Multi-currency support for over 150 currencies
- AI receipt scanning (Pro)

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Rafin Pro Monthly | $5.99 | per month |
| Rafin Pro Yearly | $49.99 | per year |
| Rafin Ultimate Monthly | $12.99 | per month |
| Rafin Ultimate Yearly | $119.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/rafin/id6757646492/reviews.md

### 5/5 — Clean, fast and does what it says

*2026-02-05*

Really impressed with the simplicity and design of the app. Unlike other apps it didn't force me to subscribe but after using the free features, I tried the subscription and love the AI features. 
Worth every penny!

## Frequently asked questions about Rafin

### What are the main features of Rafin?

Rafin offers comprehensive personal finance management, including budget tracking by category, setting savings goals with visual progress, and detailed expense tracking. It also excels at splitting expenses with friends using various methods and supports over 150 currencies.

### How does Rafin handle expense splitting?

Rafin provides flexible group splitting with 5 types: equal, exact amounts, percentage, shares, and itemized. It tracks who owes what in real-time and offers simplified debt calculation for easy settlements.

### What are the Pro and Ultimate features in Rafin?

The Pro version includes AI receipt scanning and recurring expense automation. The Ultimate version adds secure bank syncing, unlimited groups, and data export options in CSV or PDF formats.

### Is Rafin secure to use with financial data?

Yes, Rafin uses bank-grade encryption to secure your data. The app states that your data stays yours and emphasizes its commitment to privacy.

### What devices does Rafin support?

Rafin is available on iPhone, iPad, and iPod. It is designed for iOS devices.

### How often is Rafin updated?

The latest version, 1.0.7, was released on February 2, 2026, indicating recent development activity. Updates typically occur to introduce new features and improve performance.

### What are the subscription costs for Rafin Pro and Ultimate?

Rafin Pro is available for $5.99/month or $49.99/year. Rafin Ultimate costs $12.99/month or $119.99/year, offering more advanced features like bank syncing.

### Does Rafin have ads?

No, Rafin explicitly states 'No ads, ever' in its description. You can use the app without encountering advertisements.

## Version history (last 3 releases)

### 1.0.7 — 2026-02-02

Minor Improvements and bug fixes

### 1.0.6 — 2026-01-27

Fix Banking feature

### 1.0.4 — 2026-01-23

No release notes.

## Apps similar to Rafin

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [My Ledger: Modern Budgeting](https://appshunter.io/ios/app/my-ledger-modern-budgeting/id6736626880) | 5.0 (1) | Free | Finance |
| [Moneye - Money Manager](https://appshunter.io/ios/app/moneye-money-manager/id6447369037) | 5.0 (3) | Free | Finance |
| [ExpensiQ – Smart Budgeting App](https://appshunter.io/ios/app/expensiq-smart-budgeting-app/id6751404010) | — | Free | Finance |
| [PAREMIT](https://appshunter.io/ios/app/paremit/id6736434358) | — | Free | Finance |
| [Deun](https://appshunter.io/ios/app/deun/id6742751703) | 5.0 (1) | Free | Finance |
| [Shared Expense Tracker: Nestly](https://appshunter.io/ios/app/shared-expense-tracker-nestly/id6758857325) | — | Free | Finance |

## More apps by Ranjan Goyal

- [Trade Buz](https://appshunter.io/ios/app/trade-buz/id1530998574)
- [Abroadify](https://appshunter.io/ios/app/abroadify/id1531573216)

All apps by Ranjan Goyal: https://appshunter.io/developer/1530223436

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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 2026-07-09.*