rilio.A Toshl alternative that doesn't need a top tier for automation
Want a Toshl alternative without paying top tier for bank sync that keeps breaking? Rilio uses AI entry, no bank login, splits bills. $4.99/mo.
- 🔒 No bank login, ever
- ⚡ AI entry in ~5 seconds
- 🧾 Splits bills, built in
- 📱 iOS & Android
The best Toshl Finance alternative for people tired of paying up for flaky sync is Rilio — a private tracker for iPhone and Android with fast AI entry. Toshl is cross-platform and colorful, but bank sync only comes with its top “Medici” tier ($4.99/mo) and is its most common complaint. Rilio gives you automation-like speed without any bank login: 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 Toshl's multi-currency depth, tags, and web/extension reach, it does more there.
Toshl vs Rilio
| Feature | Toshl | Rilio |
|---|---|---|
| Bank sync reliability | Medici sync is its #1 complaint | Nothing to break |
| Paying for automation | Only on the top Medici tier | AI entry included — no sync needed |
| Add an expense | Manual (sync on Medici only) | ~5 sec — type, say it, or paste a bank text |
| Bank login | Medici tier only | Never asks for it |
| Split bills with friends | Not supported | Built in |
| AI chat | No | Yes — built-in AI chat |
| Bulk-import statement | Automatic sync only (Medici tier) | Upload a PDF, AI reads months of history |
| Price (with automation) | Medici $4.99/mo · $39.99/yr | $4.99/mo — no sync required |
| Free tier | Yes — 2 accounts, 2 budgets | 7-day free trial, then $4.99/mo |
| Works on | iOS, Android, web, Chrome extension | iPhone & Android |
| Multi-currency & tags | Strong — a real strength | Simple tracking + splitting |
Why people look for a Toshl alternative
Toshl has a loyal, international following — but its automation is gated and unreliable, which sends people looking.
Bank sync only on the top tier
Automatic bank sync is reserved for Toshl's priciest “Medici” plan. Cheaper tiers are manual, so you pay up just to skip typing.
…and that sync is the top complaint
Even on Medici, users report broken connections and duplicated transactions — the automation you paid extra for is the part that struggles.
The free tier is tight
Free caps you at two accounts and two budgets, so you outgrow it quickly if you track in any detail.
It's still aggregation at heart
To automate, you connect your bank — with the usual privacy and reliability tradeoffs.
How Rilio is different from Toshl
Automation without the top tier
Rilio's AI entry gives you fast, hands-light logging on the standard plan — no need to buy up to a “Medici” tier for convenience.
No sync to break
There's no bank connection at all, so Toshl's number-one complaint simply can't happen.
Fast AI entry
Type a spend, say it, or paste your bank's SMS and AI categorizes it — automation-like speed, entirely manual under the hood.
No bank login, ever
Your accounts stay yours. Nothing to connect, nothing to expose.
Split with friends, built in
Rilio also splits bills and group expenses, which Toshl doesn't.
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, on any tier. Toshl has no equivalent.
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. No top-tier subscription required.
One simple price
$4.99/mo covers everything — the same as Toshl's top tier, but with no sync to rely on.
Toshl's way vs. the Rilio way
Both are friendly, capable trackers — one makes you pay up for a sync that keeps letting people down.
Getting your spending in
ToshlBuy the top Medici tier for sync, then fight broken connections.
RilioType it, say it, or paste a bank text — AI files it, nothing linked.
No sync means nothing to break, on any tier.
Paying for convenience
ToshlAutomation is locked to the priciest plan.
RilioFast AI entry is included in the standard price.
You shouldn't have to upgrade just to stop typing.
Your bank
ToshlMedici connects your accounts to automate.
RilioNo login at all — you capture spends yourself in seconds.
Private by design, not by tier.
Sharing costs
ToshlNo built-in bill splitting.
RilioSplit group bills and settle up in the same app.
One app for your money and the group's.
Pricing: Toshl vs Rilio
Toshl's free tier is capped (two accounts, two budgets); Pro is $2.99/mo but manual, and bank sync only comes with Medici at $4.99/mo (or $39.99/yr). Rilio is a flat $4.99/mo — the same as Medici — but gives you fast AI entry and bill splitting with no sync to rely on and no bank login.
How to switch from Toshl to Rilio
- 1
Note your accounts and tags
List the accounts, budgets, and tags you use in Toshl so you can recreate the useful ones as categories.
- 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
Set budgets and split costs
Add monthly budgets and split any shared expenses with friends in the same app.
Who should — and shouldn't — pick Rilio
- You don't want to pay up to Medici just for automation
- You're tired of the bank sync breaking
- You'd rather not link accounts at all
- You want fast AI entry and built-in bill splitting
- You value a private, ad-free tracker
- You need Toshl's deep multi-currency support for travel
- You rely on its tags, web app, and Chrome extension
- You specifically want automatic bank sync (and Medici works for you)
Toshl alternative — FAQ
Is Rilio the right Toshl alternative for you?
Toshl is a friendly, capable tracker with genuine strengths in multi-currency and cross-platform reach — but its automation is locked to the top tier and is its biggest weak point. If you don't want to pay up for a sync that keeps breaking, Rilio gives you fast AI entry, no bank login, and built-in bill splitting for the same $4.99/mo — with nothing to break. Keep Toshl for travel currencies and its web tools; choose Rilio for reliable, private simplicity.
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.