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See where your money actually goes.
Rufi tracks what comes in and what goes out, by hand or from a CSV your bank already gives you. It finds the subscriptions you pay and do not use, keeps your net worth and how it is spread across assets, and reads your own figures back to you. No bank connection.
- Free to start
- No bank password, ever
- Data in Europe
How it works
Put your money in.
Accounts, income and expenses, by hand or from a CSV your bank already gives you. No credentials, no connection.
See what is left.
Rufi sets aside what is already committed this month and what your goals take, and shows you the rest. Touch the number and you get the whole sum, line by line.
Notice what you had stopped seeing.
Subscriptions you keep paying and no longer use, spending moving faster than last month, how your net worth is spread. You decide what to do about it.
What Rufi shows you
What is left to spend
This month, after what is already committed and what your goals take.
Forgotten subscriptions
Services you still pay for and stopped using, found among your own movements.
Your net worth
Accounts, investments and property in one figure, and how it is spread.
Where the month is going
Spending against last month, and the categories that moved.
Where do you start?
Most people open Rufi for one of these four reasons.
I never know what I can spend
One number on the home screen, with the whole sum behind it.
Commitments and goals come off first, so the number is honest.
I pay for things I do not use
Recurring charges, and how long since you last used them.
Rufi finds them among your own movements, not from your bank.
My money is in five places
Accounts, investments, property, all in one figure.
And how it is spread, which is the part nobody looks at.
I am saving for something
A goal with a monthly amount, taken off what you can spend.
The money stays on your accounts. Rufi only stops counting it.
Why trust Rufi
No bank password, ever.
You enter the data. Rufi never connects to your accounts.
Data in Europe, deleted in one tap.
Servers in Frankfurt, immediate deletion from the app.
Every figure has a source and a date.
Legislation, circulars, ISTAT data. No promises.
Rufi does not provide financial or tax advice. Estimates are deliberately conservative: always check with a qualified adviser.
Questions we get
Is Rufi free?
Yes. Tracking your money, your subscriptions and your net worth stays free. Some automations will be paid, and we will tell you before they are.
Do I have to connect my bank?
No, never. We do not ask for banking credentials and we do not connect to your accounts. You add what you want, by hand or from a CSV your bank already gives you.
Who sees my data?
Nobody. The servers are in the European Union. The AI only receives aggregated, anonymous figures, never single transactions, and you can turn it off completely in Settings.
What does Rufi do with my figures?
It works out what you can still spend this month once commitments and goals are set aside, shows how your spending is moving, and points at subscriptions you pay without using. It decides nothing for you.
Can I delete everything?
Yes, from the app and straight away. Settings, then Delete account: the deletion is immediate and cannot be undone.