Personal · example account
Current balance
€15,420
+€640 since 1 Aug
This month
€1,204 left- Spent
- €2,146
- Planned
- €550
- Income
- €3,900
Upcoming
- · Electricity
- €120
- · Phone
- €30
- · Savings
- €400
Manual-first personal finance
Know where your money stands.
Track balances, activity, and debts inside one financial context. Premium adds budgets and forecasts. No bank connection required.
Free plan available. No credit card required.
Example values. Each account stays separate.
Manual first
You decide what gets recorded
15 currencies
Every EU currency, plus GBP, CHF, NOK, ISK, USD, CAD, AUD, JPY
Free forever
Unlimited income and expense records
Export included
Keep a portable copy of your data
The useful parts of finance software. Less ceremony.
Rinalance keeps each financial context separate, then gives you the records, charts, and planning tools needed to understand it.
Balances with context
Organize cards, cash, bank balances, and investments inside the account they belong to.
Activity you can trace
Record income, expenses, and transfers. Review trends without maintaining formulas in a spreadsheet.
Commitments in view
Track Scheduled Activity and debts. Premium adds monthly budgets that do not roll over.
Your records stay portable
Download a complete versioned export with CSV files on either plan.
Start with the money you already know.
No bank connection is required. Set up one financial context, add its balances, and record money as it moves.
Create an account
Keep Personal, Business, or another financial context separate.
Add your balances
Set up the cards, cash, savings, and investments you want to track.
Record activity
Log income, expenses, and transfers against the right balance.
Review what changed
Use charts and statistics to check spending and balance movement.
This is what you actually get.
One selected account at a time, with its balances, recurring commitments, and what changed since last month.
Track for free. Pay when the limits get in your way.
Manual records, charts, multi-currency support, and export stay available on the Free plan.
Free
For focused personal tracking.
- 2 accounts
- 5 balance items per account
- 5 Scheduled Activity items
- Unlimited manual records
- Charts and statistics
Premium
For more accounts and planning tools.
- 20 accounts
- 20 balance items per account
- Unlimited Scheduled Activity
- Budgets, custom categories, and forecasts
- Opt-in email reminders and investment performance
Built for people leaving money spreadsheets behind.
Use Rinalance when you want a clear manual system without turning personal finance into bookkeeping.
Privacy-focused expense tracker
Track spending without handing over a bank login. You enter what you choose, export it whenever you want, and can delete the account and its data.
Explore this use caseMulti-currency personal finance tracker
Track balances in fifteen currencies, including every EU currency, inside one selected account. Each balance item keeps its own currency, with current positions shown in the account's reporting currency.
Explore this use casePersonal finance tracker for freelancers
Keep freelance income in its own financial context, separate from household money, and plan against it when the amount changes every month.
Explore this use caseFree calculators. No account needed.
Each one runs in your browser. Try the numbers first, then decide whether you want to track them.
Subscription cost calculator
Convert monthly, quarterly, and yearly subscription prices into one estimated monthly and annual total.
Open calculatorMulti-currency net worth calculator
Add balances held in different currencies, subtract what you owe, and read one net worth figure in the currency you choose.
Open calculatorDebt payoff calculator
Compare the snowball and avalanche methods on your own debts, with total interest and payoff time for each.
Open calculatorEmergency fund calculator
Work out how large an emergency fund you need from your own essential monthly costs, and how long the gap would take to close.
Open calculatorFreelance hourly rate calculator
Find the rate you need to charge to hit a target income, based on billable hours rather than every hour you work.
Open calculatorComparing budgeting apps?
See how Rinalance differs from YNAB, Monarch, Goodbudget, Actual Budget, and a spreadsheet, including when each one is the better choice.
Read the comparisonsQuestions worth answering upfront.
Rinalance is a manual personal finance tracker. It is not a bank, broker, or tax product.
Does Rinalance connect to my bank?
No. Rinalance is manual first. You add balances and records yourself, so you decide what financial data enters the product.
Can I use it for free?
Yes. The Free plan includes 2 accounts, 5 balance items per account, 5 Scheduled Activity items with manual confirmation, unlimited manual records, charts, statistics, multi-currency support, and complete versioned export.
Can I combine every account into one total?
No. Each account is a separate financial context. You switch between them instead of mixing Personal, Business, and other money into one dashboard.
Can I export my data?
Yes. Both plans can download a complete versioned JSON export with CSV files in a ZIP archive.
Give your money one clear place to live.
Create a free account, set up one financial context, and start with the balances you already know.