Private by design, made in India 🇮🇳 with ❤️
Track every rupee, split with friends and groups, log by voice, and understand your spending with AI. Private, on-device, and built for how India actually spends.
Local-first
Personal spending on your device, backed up encrypted*
12 languages
Log spending by voice
Groups
Split anything, settle up
Apple sign-in
No Ruply password or database
Voice logging
Speak naturally in 12 Indian languages — even Hinglish. Ruply hears you, then shows the amount, date, and category ready to save. No typing, no forms.
Effortless capture
Forward a bank SMS, snap a receipt, or import a statement — Ruply reads the amount, merchant, and date and files it for you. Works with every major Indian bank.
AI insights
Ask Ruply anything in plain English, or read your Money Story — a clear recap of where it went and what to do next. It sends only your question and an anonymised summary — never your full expense history, name, or identity.
Analytics
Personal vs splits, spending by category, city, and payment method — your biggest expenses surfaced, with AI insights on the patterns you'd never spot yourself.
Everyday tools
Recurring bills logged automatically, EMIs tracked to the last rupee, budget envelopes for every occasion, and a map of exactly where your money goes.
Household
Share one budget and a live feed with up to five family members, and let AI compare who spent what and break it down by member — with privacy controls for everyone.
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Group splits
Split across a whole group with a shared running balance — settle up in a tap.
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Scan & Pay
Scan any UPI QR to log and pay an expense in one motion.
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Follows you
Switch phones, sign in with Apple, and everything comes back — your iCloud plus an encrypted Ruply backup.
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Streaks
Build a daily logging habit — track your streak and never miss a day.
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Smart budgets
AI suggests realistic budgets from how you actually spend, then tracks them.
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Money Story
A monthly recap that explains your spending in plain, human language.
Private by design — the way a money app should be.
Personal data stays yours
Your expenses, budgets, and EMIs live on your device, in your iCloud, and in an encrypted backup on our servers — held solely so you never lose them. No one at Ruply reads or uses your data, ever.
Shared data, minimal and protected
Splits, groups, and household sync through our servers — stored encrypted at rest, used solely to keep everyone's balances right, never sold or mined.
AI only gets what it needs
AI features send just your question, an image, or an anonymised summary through a stateless proxy — never your full history, name, or identity.
Sign in with Apple
You sign in with Apple — no Ruply password, no Ruply user database. Your Apple identifier is stored hashed, only to sync subscriptions and shared features.
From the App Store
Very good
"By far the most convenient expense tracker I've ever used...and the UIUX is top notch."
Simple, clean, and actually useful
"I've tried a bunch of finance tracking apps, but Ruply stands out because it keeps things simple without losing functionality. Tracking expenses and income feels effortless, and the clean interface makes it easy to stay consistent."
Easiest to build a habit with!
"Have been using Ruply for 3 weeks, love the ease of use and minimal design. Lesser steps to track, no complex graphs and analytics, no ads. Love it!"
Love the app
"Not a paid promo. Just a genuine feedback from a spendthrift and a UX designer. I expect nothing but great things from this app. Absolutely love it."
"Fantastic app .. helps me know all the time where and how thru which channel have I spent my money against the budget category wise that I establish at the start of the month"
"So good!! So user friendly and it's so helpful!!"
Free to use — no sign-up. Ruply+ unlocks AI insights, voice logging & household whenever you want more.
Download on the App Store* Ruply is local-first: your personal expenses, budgets, and EMIs live on your device and in your personal iCloud — and, from version 2.9.1, in an encrypted backup on servers we operate, keyed to a one-way hash of your Apple ID, held solely so signing in restores everything on any iPhone. Shared data — splits, groups, and household — also lives on our servers, because a shared balance has to reach the other person. All of it is encrypted at rest, used solely to run those features, and never sold, shared, or mined. AI features (Ask Ruply, Money Story, voice logging, receipt & statement scan) send only what a request needs — your question, an image, or an anonymised summary — through a stateless proxy that doesn't retain it; your full expense history is never sent. You sign in with Apple; Ruply keeps a minimal account record — a one-way hash of your Apple identifier, plus your name and email — used to secure your access and run subscriptions, household, and splits. Ruply uses anonymous, privacy-first usage analytics with no personal or financial data. Full details in our Privacy Policy.