rilio.A Spendee alternative with no sync to break
Want a Spendee alternative without the bank sync that keeps breaking? Rilio logs spends in 5 seconds with AI, splits bills, and never links your bank. $4.99/mo.
- 🔒 No bank login, ever
- ⚡ AI entry in ~5 seconds
- 🧾 Splits bills, built in
- 📱 iOS & Android
The best Spendee alternative for people frustrated by connection issues is Rilio — a private expense tracker for iPhone and Android with fast AI entry and built-in bill splitting. Spendee has nice visuals, but bank sync is its top complaint, and that sync sits behind Premium at $5.99/mo. Rilio drops bank linking entirely: type, speak, or paste a spend and AI files it in about five seconds, for a flat $4.99/mo (7-day free trial). If you want Spendee's shared wallets and multi-currency support, that's where it does more.
Spendee vs Rilio
| Feature | Spendee | Rilio |
|---|---|---|
| Bank sync reliability | Its #1 complaint (links break) | Nothing to break |
| Bank login | Premium-only sync | Never asks for it |
| Add an expense | Manual, or via flaky sync | ~5 sec — type, say it, or paste a bank text |
| Split bills with friends | Not really — shared wallets only | Built in |
| AI chat | No — only AI receipt scanning | Yes — built-in AI chat |
| Bulk-import statement | Not offered | Upload a PDF, AI reads months of history |
| Price (full features) | Premium $5.99/mo · $35.99/yr | $4.99/mo |
| Free tier | Yes — 1 wallet, 1 budget | 7-day free trial, then $4.99/mo |
| Works on | iOS, Android, web (partial) | iPhone & Android |
| Shared wallets & multi-currency | Yes — a real strength | Personal tracking + splitting |
Why people look for a Spendee alternative
Spendee looks great, but the parts people pay for are exactly the parts that frustrate them.
The bank sync is unreliable
Broken connections, dropped logins, and duplicate transactions are Spendee's most common complaint — and sync is a paid feature, so you're paying for the part that struggles.
The free tier is thin
Basic gives you one wallet and one budget, with no shared wallets. You outgrow it fast, then it's a subscription.
Sync sits behind Premium
Automatic bank/PayPal/crypto sync only comes with Premium at $5.99/mo — a lot to pay for a feature that doesn't always hold.
It's still an aggregator at heart
To get the automation, you connect accounts — with the usual privacy and reliability tradeoffs.
How Rilio is different from Spendee
No sync to break
Rilio has no bank connection at all, so Spendee's number-one complaint simply doesn't apply.
Fast AI entry
Type a spend, say it, or paste your bank's SMS and AI categorizes it — you get speed without linking anything.
Real bill splitting
Rilio splits group bills and settles who owes whom — not just shared wallets — so a trip or dinner is covered in the same app.
No bank login, ever
Your accounts stay yours. Nothing to connect, nothing to expose.
Lower price for full features
$4.99/mo versus Spendee Premium at $5.99/mo — and everything's included.
Ask Rilio like a friend
Rilio's built-in AI chat answers plain-English questions — “How much did I spend on food this month?” — instantly. Spendee's only AI feature is receipt scanning, not a spending Q&A.
Bring your history in one upload
Have a bank or card statement PDF? Upload it and Rilio's AI pulls out every transaction — merchant, amount, category — flags duplicates, and lets you review before importing.
Private and ad-free
No ads and nothing sold — just a clean subscription.
Spendee's way vs. the Rilio way
Both look good and track your money — one leans on a sync that keeps letting people down.
Getting your spending in
SpendeePay for Premium sync, then fight broken connections and duplicates.
RilioType it, say it, or paste a bank text — AI files it, nothing linked.
You can't have a sync break if there's no sync.
Sharing costs
SpendeeShared wallets, but no real who-owes-whom settlement.
RilioFull bill splitting that settles the group in the fewest payments.
One app for your money and the group's.
What full features cost
SpendeePremium is $5.99/mo (or $35.99/yr).
RilioEverything included at a flat $4.99/mo.
Cheaper, and without paying for a shaky sync.
Your accounts
SpendeeConnect banks, PayPal, or crypto to automate.
RilioNothing connected — you capture spends yourself.
Private by design, not by settings.
Pricing: Spendee vs Rilio
Spendee's free tier is limited to one wallet and one budget; Plus is $1.99/mo and Premium (which adds bank sync) is $5.99/mo or $35.99/yr. Rilio is a flat $4.99/mo with everything included — including the bill splitting and fast AI entry — and no bank login to maintain.
How to switch from Spendee to Rilio
- 1
Note your wallets and budgets
List the wallets and budgets you use in Spendee so you can recreate the ones that matter.
- 2
Download Rilio
Install Rilio on iPhone or Android and start the 7-day free trial. No accounts to link.
- 3
Log spends with AI
Type, speak, or paste your bank's transaction text and let AI categorize it.
- 4
Add your budgets and splits
Set monthly budgets, and split any shared costs with friends in the same app.
Who should — and shouldn't — pick Rilio
- You're tired of Spendee's bank sync breaking
- You'd rather not link accounts at all
- You want real bill splitting, not just shared wallets
- You want fast AI entry and a lower price
- You value a private, ad-free tracker
- You rely on Spendee's shared wallets for a household
- You need strong multi-currency support for travel
- You specifically want automatic bank/PayPal/crypto sync
Spendee alternative — FAQ
Is Rilio the right Spendee alternative for you?
Spendee is a nice-looking tracker with genuinely useful shared wallets and multi-currency support — but its paid bank sync is also its biggest weakness. If that unreliable sync is why you're leaving, Rilio sidesteps it completely: no bank login, fast AI entry, built-in splitting, and a lower price. Keep Spendee for shared wallets and travel currencies; choose Rilio for something private, fast, and dependable.
Know where your money actually goes
The private, no-bank-login expense tracker. Log a spend in five seconds; the AI does the rest.
7-day free trial · No bank login, ever · On iOS & Android
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Last reviewed 2026-07-07. Competitor pricing and availability can change — verify on the provider's site.