1
Connect or add
Link your bank securely through Plaid so accounts and transactions sync automatically — or add them by hand. Your call.
Coming soon to iPhone
Know you'll make it to payday.
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.
Sign in with Apple · Private by design · Delete your data anytime
Good evening, Stephen
May · 12 days to go
Left to spend
$1,240
Nicely ahead of pace · Day 12 of 31
This month
All categories
Groceries$320 / $400
Dining out$145 / $200
Transport$60 / $150
Bank-grade security via Plaid
Sign in with Apple
Private — never sold
Delete everything in one tap
How it works
No finance degree required.
Three steps from "where did my money go" to "I've got this."
2
Get a budget that fits
Ralphy suggests a monthly budget from your income that you can tweak in seconds — no staring at an empty grid.
3
Let Ralphy do the work
Get a daily spend allowance each morning. Alerts before bills overdraft you. Hidden fees surfaced automatically. Budgeting that runs in the background.
Why Ralphy
Budgeting that works while you live.
One honest number
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.
Daily spend allowance
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.
Private by design
Sign in with Apple, kept in your own private account. Ralphy never sells your data, and you can delete everything in a single tap.
Finds what banks hide
Ralphy scans your transactions for hidden fees, interest charges, and forgotten subscriptions — then gently lets you know. Banks won't tell you. Ralphy will.
Why we're building this
Nearly half of people can't cover a $400 emergency.
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 →
Questions
Good to know.
Do I have to connect a bank?
No. Ralphy works fully with manual entry — connecting a bank just saves you from typing transactions in yourself.
Which banks can I connect?
Most US banks and credit unions, securely through Plaid. You enter your credentials with Plaid directly — Ralphy never sees them.
Is my data safe?
Yes. You sign in with Apple, bank connections are tokenized through Plaid (we never store bank passwords), data is encrypted in transit, and you can delete your account and everything in it anytime. See our Privacy Policy.
How much does it cost?
Ralphy Plus with automatic bank syncing is $4.99/month or $39.99/year. But we believe budgeting is for everyone — so it's free for incomes under $50k/year. No proof required, just tell us during onboarding and we'll waive it. Manual entry is free for everyone, always.
When does it launch?
Soon, on iPhone. Drop your email above and we'll let you know the moment it's ready.
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Get early access to Ralphy.
One email when it's ready for iPhone. No spam, ever.