Private by design, made in India 🇮🇳 with ❤️
Track every rupee, name every card, split with friends and log by voice in your language. Everything lives with your Ruply account, so a new phone brings it all back. Built for how India actually spends.
Your account
A new phone brings everything back*
12 languages
Log spending by voice
Every card
Cards and bank accounts, by name
Apple sign-in
No Ruply password to remember
Voice logging
Say a whole day of spending in one breath, in English, Hindi or Hinglish. Ruply splits it into separate expenses with the amount, category and card, ready to save with one tick.
Four ways in
Tap the plus to add. Hold it to say it, quick type it in one line, scan a bill, or import a bank statement. Share a bank SMS to Ruply and the expense arrives filled in.
New in 2.10
Name your cards and bank accounts, like HDFC Regalia or SBI Savings, and every expense says which one it came from. See this month on each card. Add the last 4 digits and bank messages pick the card by themselves.
Ask Ruply
How much went on food this month? What do I owe Rohan? When is my EMI due? Ask Ruply knows your spending, splits, cards, household, budgets and streak, and how to do anything in the app.
Your day, week and year
Look back at any day, see how your week went against your budget, and put twelve months side by side. Every chart comes with a plain sentence that says what changed.
Widgets
Spent so far, what's left, your streak and the last few expenses, without opening the app. Small, medium and large, with your streak on its own.
Analytics
Insights in plain words, spending by category and payment method, and your cards and accounts side by side. Budget suggestions come from what you actually spend.
Splits
Friends, groups and balances live in their own tab. Split with someone before they're on Ruply, send your link, and it reaches them the moment they join. Settle up in a tap.
Household
One budget and a live feed for up to five people. See the family's month, who spent what, and where it went, with privacy controls for everyone.
👥
Group splits
Split across a whole group with a running balance, and settle up in a tap.
🎙️
Siri and shortcuts
“Hey Siri, log an expense in Ruply”, plus Control Center and the Action Button.
🧾
Everyday tools
Recurring bills logged on their due date, EMIs to the last rupee, and envelopes for trips and occasions.
🔥
Streaks
Build a daily logging habit, with a Lock Screen countdown so you never miss a day.
🎯
Smart budgets
Budget suggestions from what you actually spend, per category and for the month.
📖
Money Story
A review of your week every Sunday: where it went, your rhythm and your streak.
Private by design — the way a money app should be.
Personal data stays yours
Your expenses, budgets, cards and settings live with your Ruply account on servers we operate, encrypted in transit and at rest, so signing in on any iPhone brings them back. Used only to run Ruply. Never sold, never used for ads.
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, so there is no Ruply password to leak. Your Apple identifier is stored as a one-way hash, and Ruply keeps only a small account record to run your 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!!"
A note from Mehul
that's meI built Ruply because I never knew where my money went. Every expense you log tells me it is working. Thank you for being here - it means more than this receipt can hold.
Mehul
Mehul Bhargava, Founder
Free to use. Sign in with Apple and start. Ruply+ adds cards and accounts, voice, AI insights and household whenever you want more.
Download on the App Store* From version 2.10, your personal expenses, budgets, cards, accounts and settings live on servers we operate, tied to your Ruply account and a one-way hash of your Apple ID, so signing in restores everything on any iPhone. Shared data (splits, groups and household) lives there too, because a shared balance has to reach the other person. All of it is encrypted in transit and at rest. It is not end-to-end encrypted, because the server has to hand your data back to you. It is used solely to run Ruply and is 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.
