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.

Richer: Budget & Finance