# Riley: Money & Budget Tracker — Spending & Expense Planner

> Spending & Expense Planner (iPhone/iPad app by Spentz LLC.)

- Source: https://appshunter.io/ios/app/riley-money-and-budget-tracker/id6757263941 (this page in markdown: same URL + `.md`)
- Developer: [Spentz LLC](https://appshunter.io/developer/1451866726)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.4 · 77 MB
- Languages: American English
- Released: 2026-10-25
- Data updated: 2026-10-28

## What is Riley?

Riley is a personal finance app for people who avoid their finances because checking feels stressful. It's an advisor, not an accountant. Instead of a wall of charts, you get one plain answer: what you can actually spend until your next paycheck.

KNOW BEFORE YOU SPEND
Thinking about a purchase? Check it first. Riley looks at your balance, the bills and subscriptions due before payday, and the money you've set aside for goals, then tells you whether you're clear. No guessing, no mental math at the register.

ONE VERDICT, NOT A DASHBOARD
Open the app and the Today screen says how you're doing in a sentence. On track, over budget in a category, or short until payday. The details are there if you want them. The answer comes first.

FREE CASH, DONE RIGHT
Your free cash is your spendable balance minus what's already spoken for: bills, subscriptions and goal savings. Riley always rounds toward caution, so the number you see is one you can trust.

BUDGETS THAT DON'T NAG
Set a cap per category and Riley shows you pace, not panic. Caps roll over month to month and changes never rewrite past months, so your history stays honest.

NO-SPEND STREAKS
Pick a merchant or a category you want to cut back on and build a streak of clean days. The calendar shows your run, and the pre-purchase check lets you know when a buy would end it. It's about building a habit, not denying yourself.

PROTECT YOUR FUTURE SELF
Goals aren't a separate tab you forget about. Money you've committed to a goal is held back from free cash automatically, so you can't spend it by accident.

BILLS AND SUBSCRIPTIONS IN ONE PLACE
See every recurring charge, when it renews, and what it adds up to before payday. Pause or dismiss the ones that don't apply.

CONNECT YOUR BANK, OR DON'T
Link checking and credit card accounts securely through Plaid and transactions sync automatically. Prefer to keep things manual? Every feature works with manual entry too.

PRIVATE BY DESIGN
No ads, no selling your data, no affiliate deals steering you toward financial products. You pay for Riley, so Riley works for you.

ALSO INCLUDED
Budget threshold alerts and bill reminders
Monthly spending by category
Weekly summary notifications
CSV export
Dark and light themes

PRICING
14-day free trial, then $7.99 a month or $69.99 a year. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings.

Terms of Use: https://www.spentz.app/terms
Privacy Policy: https://www.spentz.app/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Subscription | $7.99 | per month |
| Annual Subscription | $69.99 | per year |


## Is Riley safe?

Not enough ratings yet to assess Riley.

## Is Riley legit?

Riley: Money & Budget Tracker has limited verification signals. The AppsHunter Legitimacy Score for Riley is 50 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-10-25

No release notes.

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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 2026-10-28.*