Log it the moment it happens.
At the counter, before you've even pocketed your phone, type it, say it, or paste the bank text. “Coffee, 4 bucks” is enough.
Where did my money go?
Knowwhereyourmoneyactually goes.
Your salary lands, and three weeks later you can't say where half of it went. rilio finally answers that: where it really goes, in plain numbers you can actually trust, with no bank login and no spreadsheet. Logging a spend takes five seconds. The AI does the rest.
All of this for less than one coffee a month.
Coming soon7-day free trial · No bank login, ever · Live on Google Play
The real problem
You're not bad with money. You just can't see where it goes.
The spending was never the hard part. Not knowing is the part that quietly costs you, month after month.
Payday to broke in three weeks
Your salary lands and everything feels fine. Then it's the 22nd, the balance is thin, and you genuinely can't account for where most of it went.
The apps that could help want your bank password
You download a tracker, hit the “connect your bank” screen, and quietly close it. Finding out where your money goes shouldn't cost you your banking login.
So the small leaks keep leaking
The subscription you forgot. The daily delivery. The “it's only a few dollars” taps. None of it feels big in the moment, and you never see the total.
I built rilio to end that exact feeling, so the next time you wonder where it all went, you just open the app and see.
How it works01 02 03
Five seconds to log. The rest runs itself.
No bank connection. No setup. No weekly admin to keep up with. This is the entire app.
Let the AI file it for you.
rilio reads the amount, the merchant, and the category, and sorts it into Food, Rent, Travel, and the rest. You never touch a dropdown.
See the answer you've been guessing at.
Open rilio and there it is: where your money actually went this month, in plain numbers. No dread, no guessing.
Log your way
Logging only works if it's effortless.
Every other tracker dies in week two because logging is a chore. rilio gives you five ways in, and whichever is fastest in the moment is the one you use.
Type it like a text message.
Write it the way you’d tell a friend: “spent 12 on lunch”. rilio’s AI pulls out the amount, the place, and the category. No forms, no dropdowns.
“Spent $12 at Chipotle for coffee”
$12ChipotleFood & Drink
Say it out loud.
Hands full? Tap the mic and just say it. Transcribed and filed before you’ve set the bags down.
Paste the bank SMS.
Your bank already texts you every time you spend. Copy it, paste it, and rilio reads out the rest.
$245.00 debited from Acct ending 4521 on Apr 11 at Amazon. Ref #TXN8764321.
Import a whole bank statement.
Switching to rilio? Upload a bank or credit card statement PDF and the AI pulls out every transaction: merchant, amount, category. Duplicates get flagged, you review, then import. Months of history in one go.
statement-apr.pdf42 found
Whole Foods Market$84.20
Shell Gas Station$52.00
TXN8764321 POS$19.99
Or fill it in by hand.
Want full control? Enter the amount, merchant, category, and date yourself. Sometimes that’s simply the fastest way.
Amount$45.00
MerchantTrader Joe's
CategoryFood
DateToday
Why rilio
I've used the other trackers. So I built mine differently.
Every line below is something the others got wrong, and something I refused to ship in rilio.
Other trackers
Works without your bank password
Log a spend in about five seconds
AI sorts every transaction for you
Type, speak, or paste. Your call
Never sells your spending to advertisers
No ads between you and your money
Costs less than one coffee a month
rilio
Works without your bank password
Log a spend in about five seconds
AI sorts every transaction for you
Type, speak, or paste. Your call
Never sells your spending to advertisers
No ads between you and your money
Costs less than one coffee a month
Pricing
Priced like a coffee. Not a commitment.
Try every part of rilio free for seven days. Keep it only if it earns its place, and even then, it costs less than not knowing.
Monthly
$2.49/ month
7 days free, then billed monthly. Cancel anytime, your data stays yours.
Yearly
$25.99/ year
7 days free, then just $2.17 a month, billed yearly, close to two months free versus paying monthly.
Both plans are the full app. Nothing held back:Coming soon
- Log by typing, speaking, or pasting
- AI categorises every transaction
- Your full monthly spending breakdown
- No ads, no data selling, ever
Coming soonA coffee runs about $5. rilio is $2.49 a month, half a cup. The yearly plan, $25.99, costs about what five coffees cost, and buys you a whole year of knowing exactly where your money goes.
From the person who built it
I'm not a bank, and I'm not chasing your data. I built rilio because I wanted it myself: a way to see where my money goes without handing my bank login to strangers.
— Niketh- I never see your bank passwordThere's no “connect your bank” step in rilio. There's nothing for anyone, me included, to leak.
- I don't sell data. There's no one to sell it to.No ad SDKs, no brokers. rilio is paid for by the people who pay for rilio. That's the whole business.
- Your data stays yoursrilio keeps only what you put in. Ask for it deleted and it's gone. And the privacy policy is in plain English, not lawyer.
The person behind it
Why rilio exists
A little bit about why I built it.
Hi, I'm Niketh 👋
I downloaded 11 expense apps in 2 years. I deleted every single one within a week.
Not because I'm bad with money. Because every one of them made me work just to log a coffee.
The closest thing to frictionless I ever found? Apple Notes.
So I built rilio. You log expenses the way you'd text yourself: voice or type, done in seconds.
This is the app I needed, so I built it.
If you like rilio, check out my other project: FeedbackDock.
NikethDeveloperQuestions
Short, honest answers.
No, and you couldn't even if you wanted to. rilio has no “connect your bank” step. You log spends yourself by typing, speaking, or pasting the SMS your bank already sends you. That's the whole point.
Live on Google PlayComing soonRead how I handle your data
Stop guessing where your money went.
Download rilio, log your first expense in the next five seconds, and let this be the month you actually find out. Free for 7 days, then $2.49 a month if it earns its place.
Coming soon