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
Spend like you know.
Because you do. Ralphy hands you one number — what's safe to spend today — and never lets you guess again. No dread. No running out before payday. What you don't spend? That's your safety net, building itself while you live.
Stop guessing. Start living. Free for incomes under $50k.
Sign in with Apple · Private by design · Delete your data anytime
Good evening, Stephen
May · 12 days to go
Safe to spend
$1,240
Nicely ahead of pace · Day 12 of 31
This month's spending
See all
Groceries$320
Dining out$145
Transport$60
Bank-grade security via Plaid
Sign in with Apple
Private — never sold
Delete everything in one tap
How it works
No finance degree required.
From "I hope I'm okay" to "I've got this." In three steps.
2
See what you can afford
Ralphy reads your income and bills and works out what's safe to spend — no empty grid to fill in, no categories to obsess over.
3
Let Ralphy do the work
Get a daily spend allowance each morning. Alerts before bills overdraft you. Hidden fees surfaced automatically. Your money, looking after itself in the background.
Why Ralphy
Spend with confidence. Save without trying.
One honest number
What's safe to spend — that's it. The number that answers "can I afford this?" before you tap pay. No charts, no guilt, just clarity.
Your number, every morning
Wake up knowing exactly what's yours to spend today. No math. No stress. Just go live your day — Ralphy's already done the thinking.
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.
Turns waste into savings
Ralphy digs out the hidden fees, interest, and forgotten subscriptions your bank won't mention — so every dollar you claw back goes toward your safety net instead.
What we believe
Getting ahead isn't a talent. It's a number.
They told you money takes discipline you don't have. Spreadsheets. Willpower. That getting ahead is for people who already are.
We don't buy it.
Knowing what you can afford shouldn't take a finance degree or a fat paycheck. It should take five seconds. So Ralphy hands you the number, watches your back, and stacks your safety net while you live your life. Nearly half of people can't take a $400 hit. We're out to change that — for everyone, not the lucky few.
The only scoreboard that matters: can you take a $400 hit and keep standing?
This is the 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 knowing you can afford your life 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.
Be first
Your money. Your move.
Be first in line when Ralphy lands on iPhone. One email, no spam, ever.