Rufi
See the app
See the app

Rufi for iPhone and Android · in testing

What is left to spend, and where it went

Rufi takes what comes in and what goes out, by hand or from a CSV your bank already gives you, and works out what you can still spend this month once commitments and goals are set aside. No sign-up needed to look around, and no bank connection at any point.

Coming soon to the App Store and Google Play.

Example

What Rufi does

  • Real available: what is left this month after commitments, buffer and goals, with every step of the sum shown.
  • Income and expenses tracked by hand or imported from a CSV.
  • Subscriptions you keep paying and have stopped using.
  • Net worth in one place, and how it is spread across cash, investments and property.
  • A monthly verdict in plain words, and insights read off your own figures.

Why Rufi

  • No banking credentials, ever. You decide what goes in.
  • No inflated promises: when a number cannot be worked out, Rufi says which piece is missing instead of guessing.
  • Your data stays yours. Servers in the European Union, nothing sold to third parties.

Rufi is not financial advice: it puts your own figures in front of you and leaves the decisions to you.

Three things it does every day

1.498,87 €

Real available

One number on the home screen: what you can still spend this month. Touch it and you get the whole sum, line by line, so you can see which commitment is eating it.

Example
Real available · September1.498,87 €what is left to spend this monthOn your accounts3.210,00 €Minus commitments−850,00 €Minus goals−300,00 €
38,90 €

Subscriptions

The recurring charges you have stopped using. Rufi finds them among your own movements and tells you how long it has been.

Example
Subscriptions · monthly38,90 €you pay and have not used in 90 daysStreaming · last opened in June12,99 €Gym · no entries since May25,91 €2 to review →
48.210 €

Net worth

Accounts, investments and property in one figure, with how it is spread. It updates as you record things, not once a year.

Example
Net worth · September48.210 €across accounts, investments and propertyCash · 62%29.890 €Invested · 31%14.945 €Other · 7%3.375 €See the breakdown →

PremiumComing soon

The basics stay free. Premium will automate the part that repeats: recognising recurring charges on their own, watching goals, and reading longer trends off your figures.

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.