Riqo: Expense & Money Manager
Private Safe-to-Spend Tracker
Free · Designed for iPad. Not verified for macOS.
Track post-dated cheques, settlements and future cash flow alongside your everyday money — privately, simply, and entirely on your device.
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.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
What's New in Riqo 1.0.3
Riqo now keeps track of the money that's still on its way.
Post-dated cheques (PDCs):
- Track cheques you're holding or have given
- See maturity dates and upcoming cash flow
- Track pending, deposited, cleared, bounced and cancelled cheques
- See who your open cheques are concentrated with
Settlements:
- Track money you've lent or borrowed
- See what you owe and what others owe you
- Record settlements without turning them into unrelated expenses
Future money stays visible. Your actual spending stays clean.
Plus, improvements to performance and stability.
The developer, VIBHUTIX PRIVATE LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- VIBHUTIX PRIVATE LIMITED
- Size
- 66.5 MB
- Category
- Finance
- Compatibility
Requires iOS 17.6 or later.
- iPhone
Requires iOS 17.6 or later. - iPad
Requires iPadOS 17.6 or later. - Mac
Requires macOS 14.6 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.3 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2025 Vibhutix Pvt Ltd. All rights reserved.