# Ruvi: Budget & Subscriptions — Smart Budget & Money Tracker

> Smart Budget & Money Tracker (iPhone/iPad app by Nikita Polkovnikov.)

- Source: https://appshunter.io/ios/app/ruvi-budget-and-subscriptions/id6761634120 (this page in markdown: same URL + `.md`)
- Developer: [Nikita Polkovnikov](https://appshunter.io/developer/1890549871)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 26.0 · 39 MB
- Languages: American English, French (France), German (Germany), Italian, Russian, European Spanish, Ukrainian
- Released: 2026-06-21
- Data updated: 2026-09-29

## What is Ruvi?

Ruvi Cash is the money tracker that finally feels good to use.

  Beautifully simple, fast, and private, track every account, budget, and savings
  
  WHAT YOU CAN DO
  • Track spending, income, and transfers across all your accounts — cash, cards,
  savings, even crypto
  • See exactly what's safe to spend today with a smart daily budget that adjusts
  itself as you go
  • Set savings goals and watch your progress, with realistic completion dates
  • Keep subscriptions and recurring payments under control — spot renewals and free
  trials before they charge you
  • Manage credit cards and installment purchases without the mess
  • Understand your money with clear, beautiful analytics and charts

  STAY ON TRACK, EFFORTLESSLY
  Daily streaks, XP and 80+ achievements turn good money habits into something you
  actually want to keep up — gentle motivation, never a chore.
  
  MAKE IT YOURS
  12 unlockable themes, each with its own accent color. Dark-mode-first design built
  for iOS 26.
  
  PRIVATE BY DESIGN
  No account required. Your data stays on your device and syncs privately through your
  own iCloud. No ads, ever.


## Version history (last 5 releases)

### 1.0.6 — 2026-09-25

BACKUPS
Ruvi now saves a copy of all your data on your iPhone every day. In Settings → Data you can export a full backup or a CSV and restore it — merging with what's on the phone or replacing everything. After a fresh install, restore right from the welcome screen.

TRIP MODE
Spending abroad is counted in the local currency, with the rate pinned when the trip starts — so it works with no signal. You see the amount in your own currency straight away.

NEW IN ANALYTICS
• Month recap: days within your limit, what you saved, records you broke
• Balance forecast: what's left at the end of the period, counting the bills still to come
• Month calendar: every day against its own limit
• Subcategories: tap a category to see what the money went on
• Spending by tags: an expense with two tags is no longer counted twice

MORE
• The review queue: everything waiting on your answer, in one place
• Budget shows what your fixed payments add up to and looks ahead into next month
• New filters: "food and transport in September"
• A fire that grows with your streak
• A Done button above every number pad

FIXES
• Streaks no longer break while you're still logging — one lost to that bug comes back on its own
• Restoring from iCloud no longer brings back old data or phantom subscription charges
• Subscriptions billed on the 29th–31st no longer slip to the 28th
• Confirming a recurring payment no longer leaves a duplicate
• The app language now applies to every screen
• Better stability on iOS 27 and with long histories

HEADS UP: SOME NUMBERS MAY CHANGE
• Transfers between accounts in different currencies are now credited at the exchange rate — the receiving account's balance may change
• Your daily limit is worked out more precisely: next month's payments and income no longer affect this month
• Existing loans are now costed from what you still owe — interest, payoff date and extra-payment savings may change

### 1.0.5 — 2026-08-28

Bug fixes

### 1.0.4 — 2026-08-07

Smarter Apple Pay auto-import: fill in missing amounts right from your Lock Screen. Plus a cleaner charge card, bug fixes and polish

### 1.0.3 — 2026-07-25

Bugs & fixes and:

+ Shortcuts for transactions;
+ AI Chat updated

### 1.0.2 — 2026-07-23

Add expenses, income, and transfers by typing or speaking. Runs on-device with Apple Intelligence, so your data stays private.

Also in this update:
- Scan receipts to auto-fill transactions
- Credit cards and installment (BNPL) plans
- Smarter Apple Pay categories — Rivo remembers a store's category even when the terminal or location changes
- Redesigned onboarding
- Long-press menus and drag-to-reorder for accounts, categories, and transactions
- Privacy Mode: flip your phone face-down to hide balances
- Import subscriptions from email screenshots
- Stability and crash fixes

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## More apps by Nikita Polkovnikov

- [Tilt Building: Merge Tower](https://appshunter.io/ios/app/tilt-building-merge-tower/id6793952294)

All apps by Nikita Polkovnikov: https://appshunter.io/developer/1890549871

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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 2026-09-29.*