# Richer: Budget & Finance — 100% Offline Privacy. No Ads.

> 100% Offline Privacy. No Ads. (iPhone/iPad app by Arif ..)

- Source: https://appshunter.io/ios/app/richer-budget-and-finance/id6764280302 (this page in markdown: same URL + `.md`)
- Developer: [Arif .](https://appshunter.io/developer/1895714709)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 12+
- Requires: iOS 15.0 · 50 MB
- Languages: American English
- Released: 2026-05-07
- Data updated: 2026-09-01
- User reviews in markdown: https://appshunter.io/ios/app/richer-budget-and-finance/id6764280302/reviews.md

## What is Richer?

RICHER: Personal Finance App for Individuals & Families

- No Google Ads (Privacy-First)
- No Monthly Fees (Pay Once, Own Forever)
- Works 100% Offline
- Encrypted Local Storage

MULTIPLE PROFILES - ONE APP
  - Perfect for couples, families, or individuals managing multiple finances
  - Each profile has its own accounts, budgets, and financial goals
  - No sharing between profiles unless you choose to
  - Cross-device sync coming soon

EXPENSE TRACKER & BUDGET PLANNER
  - Categorize every transaction (food, transport, bills, shopping, etc.)
  - Set monthly budgets and track spending in real-time
  - Visual progress bars show remaining budget at a glance

DEBT TRACKER -- SMARTER THAN OTHER APPS
  - Debts and receivables directly linked to your wallet or bank account balance
  - Balance updates automatically when debt is recorded or settled
  - Share your debt list as an image straight to WhatsApp -- chase payments effortlessly
  - Full details in one view: name, amount, due date, and status
  - A debt tracking feature most personal finance apps simply don't have

FINANCIAL GOALS TRACKER
  - Create custom saving goals (vacation, emergency fund, house, etc.)
  - Link multiple wallet accounts or bank accounts to a single goal
  - Track savings progress visually and in real-time

COMPLETE MONEY MANAGEMENT
  - Track bank accounts, e-wallets, and cash in one place
  - Manage recurring expenses automatically
  - Detailed charts and financial visualizations

MULTI-CURRENCY SUPPORT
  - IDR, USD, SGD, and more with live daily exchange rates
  - Each wallet account has its own currency, convert amounts instantly
  - Perfect for digital nomads managing multiple currencies

PRIVACY-FIRST -- YOUR DATA IS YOURS
  - All data stays on your device -- never sent to any server
  - Works fully offline, no account required
  - Military-grade encryption for sensitive financial data
  - Optional Google Drive backup for peace of mind

SECURITY YOU CAN TRUST
  - PIN & biometric lock (fingerprint/face recognition)
  - No trackers, no ads, no data sales -- ever

CELEBRATE YOUR FINANCIAL MILESTONES
  - Earn achievements when you stay on budget or hit savings targets
  - Share milestones to Instagram or TikTok -- no amounts shown, only percentages

PERFECT FOR:
  - Couples managing household budget separately on their own device
  - Families with members tracking money independently
  - Individuals keeping personal & business finances separate
  - Freelancers needing a simple personal finance tracker
  - Digital nomads managing multiple currencies
  - Privacy-conscious users who don't want their data sold

WHY RICHER IS DIFFERENT:
Multi-profile finance, automatic debt tracking, goals tracker, fully offline, no cloud servers. The only money management app that keeps your financial life completely private.

QUICK START:
1. Launch app and follow onboarding
2. Add your accounts (bank, e-wallet, cash)
3. Track expenses and set your monthly budget
4. Reach your financial goals

Download Richer today -- the personal finance app built for privacy.
Questions? Check our FAQ or contact support.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Premium | $24.99 | one-time |



## Version history (last 4 releases)

### 1.0.11 — 2026-08-28

Add historical transaction search, and fix debt issue

### 1.0.10 — 2026-05-17

Fix view debt record in transactions list.

### 1.0.9 — 2026-05-12

improve ux for align bahasa indonesia and english.

### 1.0.8 — 2026-05-08

No release notes.

## Apps similar to Richer

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Fluxi: Budget, Expense Tracker](https://appshunter.io/ios/app/fluxi-budget-expense-tracker/id6741048901) | — | Free | Finance |
| [Investing and Rebalancing](https://appshunter.io/ios/app/investing-and-rebalancing/id6759631692) | — | Free | Finance |
| [WealthPoise](https://appshunter.io/ios/app/wealthpoise/id6761033109) | — | Free | Finance |
| [My Monthly Budget](https://appshunter.io/ios/app/my-monthly-budget/id6761712787) | — | Free | Finance |
| [Balance: Net Worth & Budget](https://appshunter.io/ios/app/balance-net-worth-and-budget/id1447322358) | 4.5 (57) | Free | Finance |
| [Jajanku](https://appshunter.io/ios/app/jajanku/id6499272232) | — | Free | Finance |

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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 2026-09-01.*