Richer: Budget & Finance

100% Private & Offline. No ads, no subscriptions, and no tracking. Your data stays on your phone—where it belongs. Enjoy total peace of mind with zero data leaks.

RICHER: Personal Finance App for Individuals & Families

• No Google Ads (Privacy-First)
• No Monthly Fees (Pay Once, Own Forever)
• Works 100% Offline
• Encrypted Local Storage

MULTIPLE PROFILES - ONE APP

• Perfect for couples, families, or individuals managing multiple finances
• Each profile has its own accounts, budgets, and financial goals
• No sharing between profiles unless you choose to
• Cross-device sync coming soon

EXPENSE TRACKER & BUDGET PLANNER

• Categorize every transaction (food, transport, bills, shopping, etc.)
• Set monthly budgets and track spending in real-time
• Visual progress bars show remaining budget at a glance

DEBT TRACKER -- SMARTER THAN OTHER APPS

• Debts and receivables directly linked to your wallet or bank account balance
• Balance updates automatically when debt is recorded or settled
• Share your debt list as an image straight to WhatsApp -- chase payments effortlessly
• Full details in one view: name, amount, due date, and status
• A debt tracking feature most personal finance apps simply don't have

FINANCIAL GOALS TRACKER

• Create custom saving goals (vacation, emergency fund, house, etc.)
• Link multiple wallet accounts or bank accounts to a single goal
• Track savings progress visually and in real-time

COMPLETE MONEY MANAGEMENT

• Track bank accounts, e-wallets, and cash in one place
• Manage recurring expenses automatically
• Detailed charts and financial visualizations

MULTI-CURRENCY SUPPORT

• IDR, USD, SGD, and more with live daily exchange rates
• Each wallet account has its own currency, convert amounts instantly
• Perfect for digital nomads managing multiple currencies

PRIVACY-FIRST -- YOUR DATA IS YOURS

• All data stays on your device -- never sent to any server
• Works fully offline, no account required
• Military-grade encryption for sensitive financial data
• Optional Google Drive backup for peace of mind

SECURITY YOU CAN TRUST

• PIN & biometric lock (fingerprint/face recognition)
• No trackers, no ads, no data sales -- ever

CELEBRATE YOUR FINANCIAL MILESTONES

• Earn achievements when you stay on budget or hit savings targets
• Share milestones to Instagram or TikTok -- no amounts shown, only percentages

PERFECT FOR:

• Couples managing household budget separately on their own device
• Families with members tracking money independently
• Individuals keeping personal & business finances separate
• Freelancers needing a simple personal finance tracker
• Digital nomads managing multiple currencies
• Privacy-conscious users who don't want their data sold

WHY RICHER IS DIFFERENT: Multi-profile finance, automatic debt tracking, goals tracker, fully offline, no cloud servers. The only money management app that keeps your financial life completely private.

QUICK START:

1. Launch app and follow onboarding
2. Add your accounts (bank, e-wallet, cash)
3. Track expenses and set your monthly budget
4. Reach your financial goals

Download Richer today -- the personal finance app built for privacy. Questions? Check our FAQ or contact support.