A budgeting app that speaks plain English

Rigova 365 helps you see what comes in, what goes out, and what's left — without spreadsheets or accounting words. Add your numbers by hand or import a bank CSV, and a smart budget suggests limits from what you actually spend.

Start 14-day free trial See plans and prices

Included in the Personal plan. Plans start at $14.99/month after the trial.

Build a budget from your real numbers

Instead of guessing, start from what you spent last month. Adjust any category, and see right away how much you have left.

Smart budget suggestions by category
Paycheck plan: bills, savings, then free-to-spend
Upload a bank CSV — no bank login required

Ask what any number means

Every screen has an Explain this button. Ask in your own words and get a conversational answer based on your own numbers.

Family budgetShare a household budget with up to 5 people. Everyone keeps a private Personal space while bills, spending and goals for the home stay in one shared view.
Bill & subscription trackerTrack bills and subscriptions in one place: due dates, what's left to pay this month, and what your subscriptions really cost per year.
Debt payoff calculatorList your debts, interest rates and minimum payments, and see an estimated payoff timeline and the effect of paying a little extra each month.
Mortgage payoff calculatorEstimate your mortgage payoff date, remaining interest and home equity, and see how +$50, +$100, +$250 or one extra payment a year could change it.
Car loan payoff calculatorEstimate when your car loan will be paid off, how much interest is left, and whether you have positive or negative equity in your vehicle.
Net worth trackerTrack your net worth over time: accounts, home and vehicle values on one side, debts on the other, with snapshots to see your progress.

A budgeting app that speaks plain English

Build a budget from your real numbers

Ask what any number means

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