Richual: Track Budget & Wallet

Richual keeps the whole money picture in one place: cash, bank accounts, e-wallets, savings, credit cards and debts, across currencies. On top of the wallets sit simple category budgets, savings goals, recurring bills and income, and something many trackers skip, logging the interest your savings earn. Charts show cash flow, category breakdowns and how money is spread across wallets.

It is a manual tracker by design. It does not connect to bank accounts, so every transaction is yours to enter, which is calmer for some people and a chore for others. Data stays private with sync across Apple devices, there are no ads, and the look can be customised down to card colours. It suits people who want to understand their money rather than automate it away.