Richual vs Margin

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

Track expenses and income in your own words. Margin turns everyday money notes into a clear personal ledger, so you can see where your spending goes without filling out forms. WRITE IT LIKE YOU SAY IT Type "coffee 4.50" or "lunch 20 split 4 ways". Add a date or a money source in the same line. Margin reads the details, organizes the entry, and keeps your share. Review and correct anything it reads. KEEP TRACK, EVEN OFFLINE Save typed notes when you have no connection. Clear entries can be read on your iPhone; AI features and syncing need an internet connection. No bank connection or bank password is needed. SCAN A RECEIPT Take a photo of a receipt and turn its items into entries you can review. Receipt reading uses AI and your Reads allowance. SEE WHERE YOUR MONEY WENT Browse your spending by week, month, or year. Check categories, compare your spending with your monthly budget, and search the words you remember. KEEP RECURRING COSTS IN VIEW Record subscriptions and recurring bills. See expected costs separately from the spending you have already recorded. ASK ABOUT YOUR SPENDING Ask "how much on coffee this month?" and see an answer based on your own entries, with the entries shown so you can check it. TAKE YOUR LEDGER WITH YOU Export your entries as CSV, PDF, or JSON. Writing, editing, searching, browsing your ledger, and exporting are free. START FREE Margin includes a free allowance of Reads for AI features: 25 to start, plus 15 each month, with up to 50 saved. A Read is Margin's unit for AI processing; the cost depends on the feature. Margin Plus offers 1,500 Reads per month with a monthly or yearly auto-renewing subscription. See current pricing in the app. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically unless canceled at least 24 hours before the current period ends. Your Apple Account is charged for renewal within 24 hours before the end of the period. Manage or cancel your subscription in your App Store account settings. Margin is a personal ledger, not financial advice or an accounting system of record. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Service: https://marginmoney.app/terms Privacy Policy: https://marginmoney.app/privacy