# Richual: Track Budget & Wallet — Personal finance made easy > Personal finance made easy (iPhone/iPad app by Jayvee Ballesteros.) - Source: https://appshunter.io/ios/app/richual-track-budget-and-wallet/id6771552672 (this page in markdown: same URL + `.md`) - Developer: [Jayvee Ballesteros](https://appshunter.io/developer/6771491551) - Category: Finance, Productivity - Price: $2.99 - Age rating: 4+ - Requires: iOS 26.0 · 60 MB - Languages: American English - Released: 2026-07-30 - Data updated: 2026-08-26 - User reviews in markdown: https://appshunter.io/ios/app/richual-track-budget-and-wallet/id6771552672/reviews.md ## What is Richual? Richual is a personal wallet, budget, goals, and money insights app designed to make everyday money tracking feel clear, calm, and actually doable. Track your wallets, savings, credit cards, cash, debts, budgets, goals, recurring transactions, interest earnings, and money habits in one beautifully organized space. Richual is built for people who want more than a plain expense tracker. It helps you understand your money picture, follow simple budgets, fund meaningful goals, and spot the patterns behind your spending. KEY FEATURES WALLETS IN ONE PLACE Track cash, banks, e-wallets, savings, credit cards, debts, and other accounts without clutter. BUDGETS, WITHOUT THE CLUTTER Create simple category budgets and see where your month is headed before it gets messy. GOALS THAT FEEL CLOSER Save for emergency funds, trips, gadgets, career moves, or anything future you is building toward. MONEY INSIGHTS See spending patterns, wallet distribution, cash flow, category breakdowns, and money trends in a visual way. RECURRING TRANSACTIONS Track repeating bills, subscriptions, transfers, and regular income so the usuals stay handled. INTEREST EARNINGS TRACKING Track interest from savings or digital bank accounts and see quiet money do its thing. MULTI-CURRENCY READY Manage wallets across different currencies and keep your bigger money picture clear. PRIVATE BY DESIGN Richual is designed around privacy, offline access, and Apple-device sync. Your data stays with you. CUSTOMIZE YOUR WHOLE VIBE Personalize cards, wallets, colors, themes, and your money space so the app feels like yours. BEAUTIFULLY DESIGNED A finance tracker that feels clean, polished, and easy to come back to. NO ADS. EVER. No interruptions. No noisy banners. Just your money, your space, your ritual. Richual is not a bank, broker, lender, or trading platform. It does not connect to bank accounts or process financial transactions. It is a manual personal finance tracker made to help you organize, understand, and build better money habits. Make wealth a daily ritual. Terms of Use: https://richual-app.vercel.app/terms.html Privacy Policy: https://richual-app.vercel.app/privacy.html ## Version history (last 5 releases) ### 1.9 — 2026-08-22 Richual now gives you more ways to organize real-life money. Collections let you group related transactions into one focused view for trips, events, projects, holidays, home upgrades, or anything you want to track as a single story, without changing your categories, sources, or accounts. Split shared expenses from the transaction form while keeping the original transaction as the full amount paid. Other people’s shares are added to Personal Debts · To Collect, with clearer confirmation and transaction details. Saved Merchants are now easier to use and manage, with reusable merchant names, logos, custom images, and optional default categories. Accounts can now be archived instead of deleted, and accounts can be excluded from net worth while still keeping their history and normal transaction behavior. This update also fixes deletion behavior for multi-currency transactions, so account balances stay consistent when foreign-currency activity is removed. ### 1.8 — 2026-08-20 Richual just got much better at helping you plan ahead. You can now add planned transactions, preview upcoming recurring payments, and see what’s scheduled before it hits your real balance. This update also makes everyday logging smoother: quicker wallet actions, clearer confirmation screens, better save controls, and helpful haptics that make each step feel more polished. Balances are smarter too. Richual now separates planned activity from realized money, so your totals feel clearer and more trustworthy. We also improved transaction details and backup checks. A tidier, calmer, more future-ready Richual is here. Happy tracking. ### 1.7 — 2026-08-18 Your money picture just got sharper. See net worth, assets, liabilities, personal debts, automations, and progress over time at a glance. New • A richer Net Worth widget shows assets, liabilities, and change over time, with shortcuts to log income, transfers, or expenses. • Financial SMS automation can now turn supported bank or wallet alerts into logged expenses or income. • Every successful Shortcut or automation log now sends a detailed receipt notification, so you know exactly what Richual recorded. • Personal Debt insights bring what you owe and what you’re owed into your Wallet. • Income subcategories give every earning stream a clearer place. • Wallet pull actions and widget shortcuts now jump straight into the transaction you want to add. Improved • Review a clearer transaction confirmation before saving, with better selection checks and a smoother save flow. • Enter amounts faster with a calculator in the keyboard toolbar, improved keyboard controls, and haptic feedback. • Clean up sources, categories, and subcategories faster with bulk selection and deletion. • CSV imports can now skip conflicting transfers and legacy no-op rows while safely importing everything else. • Backups and CloudKit recovery are more resilient across app versions, with clearer reset progress. • Apple Pay automation now sends notification after logging. • The Shortcuts guide now includes SMS automation setup, categorized Shortcut actions, privacy notes, notifications, and troubleshooting. ### 1.6 — 2026-08-15 Your money space, now even more yours. This update makes Richual more personal, easier to scan, and clearer when you’re checking in on your finances. New • Personalize your Richual toolbar with expressive fonts, from soft script to retro arcade energy. • Assets and liabilities are now included in At a Glance and Net Worth, giving you a more complete picture of where your money stands. Improved • Amounts are cleaner and more consistent across budgets, goals, debts, insights, and accounts. • Transactions, accounts, and data management received extra polish and small fixes throughout. A cleaner view of your money. A Richual that feels more like yours. ### 1.5 — 2026-08-14 Personal Debts are easier to manage. You can now edit debt agreements, update or delete payments, and keep every correction tied to your transaction history. Active debts also show up more consistently across your net worth, liabilities, wallet stats, and insights. Debt screens are clearer too, with improved progress, overdue states, agreement counts, and better links from transactions back to the debt they belong to. ## More apps by Jayvee Ballesteros - [ReelLearn: Smart Flashcards](https://appshunter.io/ios/app/reellearn-smart-flashcards/id6771490949) - [Jobney: Job Search Tracker](https://appshunter.io/ios/app/jobney-job-search-tracker/id6771580879) All apps by Jayvee Ballesteros: https://appshunter.io/developer/6771491551 --- *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 2026-08-26.*