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 is a private expense tracker and money manager that turns everyday spending into one honest number: Safe to Spend. Track daily expenses, record income, stay ahead of recurring bills and organize shared expenses — in a calm, thoughtfully designed app built for real life.

Unlike most finance apps, Riqo is built on a simple principle:

Your financial data belongs to you.

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🔒 PRIVACY BY DESIGN
Your expenses, income, bills and history are stored on your device — not on Riqo's servers. No account needed. No bank linking. No ads, no trackers.

Because of this architecture:
- We cannot access your financial records
- We cannot read your data
- We cannot sell or analyze your spending
- The app works fully offline

Your money is your business, and it should stay that way.

💰 SAFE TO SPEND
Your bank balance lies — it 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 — paced 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. Reminders keep you ahead of due dates.

🏠 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 neatly separated — while Safe to Spend shows the complete picture.

🤝 SHARED EXPENSES, HANDLED NATURALLY
Split bills, track who owes what, and record settlements — without spreadsheets or switching apps. Riqo shows YOUR share of shared costs, not just the full bill you happened to pay. A weekend trip or a shared apartment stays simple.

📊 UNDERSTAND YOUR SPENDING
Spending trends, monthly summaries and pattern insights help you spot weekend spikes, subscription creep and quiet money leaks. Instead of showing you more numbers, Riqo helps you understand what those numbers mean.

📤 YOUR DATA, YOUR EXIT
Export everything to CSV or JSON anytime, free. No lock-in, ever.

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BUILT FOR EVERYDAY LIFE
- Works in your currency and number format
- Fully functional with zero internet
- Fast enough that logging actually becomes a habit

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 — knowing where your money goes, what's coming next, and what's truly safe to spend.

Riqo. The rhythm of your money — kept entirely to itself.