Riqo: Expense & Money Manager

How much of your money is actually yours to spend?

Not just your bank balance. The real number - after rent, loan payments, subscriptions, shared bills, money you owe, and money that's coming later.

Riqo is a private personal finance and money manager that helps you understand what you have, what you've committed, what others owe you, and what's coming next.

Track expenses, income, bills, budgets, shared expenses, settlements and post-dated cheques (PDC) - all in one calm app built for real life.

Your financial data belongs to you.

PRIVACY BY DESIGN

Your financial data is stored on your device - not on Riqo's servers.

- No account required
- No bank linking
- No ads
- No trackers
- Works fully offline

Because of this architecture:
- We cannot access your financial records
- We cannot read or sell your financial data

Your money is your business, and it should stay that way.

SAFE TO SPEND

Your bank balance doesn't tell the whole story. Some of that money is already spoken for.

Riqo considers upcoming commitments, your share of shared costs and other planned money to help you understand what's genuinely available before your next payday.

One number that answers:

"Can I afford this?"

EXPENSE TRACKING WITHOUT THE CLUTTER

Log an expense in seconds - amount first, everything else optional. Categories are suggested automatically, while summaries and spending insights help you understand where your money is going.

BILLS AND RECURRING COMMITMENTS

Track rent, loan payments, subscriptions, insurance and other recurring commitments. See how much of your future income is already committed and set reminders for important due dates.

POST-DATED CHEQUES (PDC)

Keep future cheque money visible without turning it into an expense.

Track PDCs you're holding or have given, including:

- Amount and maturity date
- Person, bank and cheque number
- Whether you'll pay or receive
- Pending, deposited, cleared, bounced or cancelled status
- Upcoming maturities and future cash flow

PDC tracking is a reminder layer - it doesn't distort your actual spending ledger.

FUTURE CASH FLOW

See what is likely to come in and go out in the months ahead. Riqo brings together commitments and PDC maturities so you can plan before the money moves.

MONEY OWED AND SETTLEMENTS

Track money you've lent, money you've borrowed, who owes what, and what still needs to be settled.

When money is returned, record the settlement without losing the original history. Money owed stays separate from everyday spending, so lending Rs 20,000 doesn't suddenly look like you spent Rs 20,000.

SPACES

Keep different parts of your financial life separate. Create Spaces for personal spending, a shared apartment, family finances, trips with friends, or anything else you want to organize independently.

UNDERSTAND YOUR SPENDING

Spending trends, monthly summaries and pattern insights help you spot weekend spikes, subscription creep and quiet money leaks.

YOUR DATA, YOUR EXIT

Export your financial data to CSV or JSON whenever you want. Riqo also supports backup and restore, so your data stays under your control.

BUILT FOR EVERYDAY LIFE

- Works with your currency and number format
- Fully functional without internet
- No bank account connection required
- Fast expense capture
- Separate Spaces for different financial contexts
- Bill and payment reminders
- Backup and restore
- CSV and JSON export

WHAT RIQO WILL NEVER DO

- Require an account to get started
- Link your bank account or read your messages
- Show ads
- Sell your financial data
- Turn reminders and future money into fake expenses

Money management isn't about recording every transaction.

It's about making better decisions every day - knowing where your money goes, what you've committed, what others owe you, what's coming next, and what is actually safe to spend.

Riqo. The rhythm of your money - kept entirely to itself.