Risp: Budget & Savings

Risp helps you take control of your money with proven budgeting strategies, savings goals, and bite-sized financial education — all on your device, no account required. PROVEN BUDGETING STRATEGIES Pick the rule that fits your life: • 50/30/20 — the classic balance of needs, wants, and savings • 60/30/10 and 70/20/10 — for higher fixed costs • 80/20 — keep it simple, just save 20% • Pay Yourself First — save before you spend Switch any time. Your dashboard shows how each category is tracking against your plan. TRANSACTIONS WITHOUT FRICTION Log expenses, income, and savings in seconds. Set up recurring entries for rent, salary, subscriptions, and bills — Risp generates the future ones automatically. IMPORT YOUR BANK STATEMENT Add a month of movements from a PDF statement. Risp reads it on your device, sorts income, expenses, and categories with Apple Intelligence where available, and checks the total against the statement's balances. You choose what goes in. The file is never uploaded or kept. GOALS THAT STICK Create goals for trips, big purchases, or long-term plans. Add or withdraw funds as you go. Flag one as your emergency fund and track 3 to 12 months of essential expenses. LEARN AS YOU SAVE Built-in education covers 8 essential principles: Pay Yourself First, the Emergency Fund, the Rule of 72, the 4% Rule, Compound Interest, the Debt Avalanche, Diversification, and Automation. Three quick calculators put the formulas to work. 100% PRIVATE • No account • No sign-in • No tracking • No ads Your data stays on your device. Always. Start small. Build the habit. Watch it grow.