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Link your bank securely through Plaid so accounts and transactions sync automatically — or add them by hand. Your call.
Most money apps make you do the work — logging, categorizing, budgeting. Ralphy does the opposite. It looks ahead for you: tells you what's truly safe to spend, gives you a heads-up before a bill empties your account, and digs out the fees your bank buries. So you're never one surprise away from trouble.
Budgeting that works while you live — and has your back when life doesn't. Free for incomes under $50k.
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Three steps from "where did my money go" to "I've got this."
Link your bank securely through Plaid so accounts and transactions sync automatically — or add them by hand. Your call.
Ralphy suggests a monthly budget from your income that you can tweak in seconds — no staring at an empty grid.
Get a daily spend allowance each morning. Alerts before bills overdraft you. Hidden fees surfaced automatically. Budgeting that runs in the background.
What's left to spend this month — that's it. No charts, no guilt, just clarity. If you're ahead, enjoy it. If you're running fast, a gentle heads-up.
Every morning, Ralphy tells you exactly what's safe to spend today. No math, no stress — just one clear number that keeps you on track all month.
Sign in with Apple, kept in your own private account. Ralphy never sells your data, and you can delete everything in a single tap.
Ralphy scans your transactions for hidden fees, interest charges, and forgotten subscriptions — then gently lets you know. Banks won't tell you. Ralphy will.
Money isn't really about spreadsheets and pie charts — it's the quiet fear of running out before more comes in. We think a money app shouldn't hand you another chore. It should look ahead, do the work, and make sure you can take a punch. Our mission is simple: help every household get to where a surprise expense is an annoyance, not a crisis.
The one number we hold ourselves to: can you absorb a $400 emergency without borrowing?
Read our master plan →One email when it's ready for iPhone. No spam, ever.