Riqo: Expense & Money Manager

How much of this money is actually yours to spend? Not your bank balance. The real number - after rent, after loan payments, after subscriptions, after your share of the bills you split with others. Riqo turns everyday spending into one honest number: Safe to Spend. Track expenses, record income, stay ahead of recurring bills and organize shared costs, in a calm, private app built for real life. Riqo is built on one principle: your financial data belongs to you. PRIVACY BY DESIGN Your expenses, income and history stay on your device, not on our servers. No account needed. No bank linking. No ads. No tracking. - We cannot access your financial records - We cannot read your data - We cannot sell or analyze your spending - Works fully offline Your money is your business, and it should stay that way. SAFE TO SPEND Your bank balance counts money that's already spoken for. Riqo computes what's truly yours: balance minus upcoming commitments, minus your share of shared costs, plus what friends owe you, spread across the days until your next payday. One number that answers "can I afford this?" honestly. EXPENSE TRACKING WITHOUT THE CLUTTER Log an expense in seconds: amount first, everything else optional. Categories are suggested automatically. Effortless capture is what turns tracking into a habit. STAY AHEAD OF BILLS Rent, loan payments, subscriptions, insurance: Riqo tracks every recurring commitment and shows how much of your month is already committed before you spend anything. SPACES: EVERY PART OF YOUR FINANCIAL LIFE Not every expense belongs in the same place. Create separate Spaces for personal spending, the apartment you share, the family you support, and trips with friends. Everything stays separated, while Safe to Spend shows the full picture. SHARED EXPENSES, HANDLED NATURALLY Split bills, track who owes what, and record settlements, without spreadsheets or switching apps. Riqo shows YOUR share, not just the full bill you happened to pay. UNDERSTAND YOUR SPENDING Spending trends, monthly summaries and pattern insights help you spot weekend spikes, subscription creep and quiet money leaks. Riqo helps you understand what the numbers mean. YOUR DATA, YOUR EXIT Export everything to CSV or JSON anytime, free. No lock-in, ever. WHAT RIQO WILL NEVER DO - Link your bank account or read your messages - Show ads or sell your data - Require an account to start Money management isn't about recording every transaction. It's about making confident decisions every day. Riqo. The rhythm of your money, kept entirely to itself.