Your money, in plain English.
Rigova 365 is a personal finance and small business money app for people who aren't accountants. Track what comes in, what goes out, and what's coming up — and press Explain this any time something isn't clear.
Personal and household money
Income and spending, a budget that builds itself from your numbers, paycheck planning, bills, subscriptions, debt, savings, net worth and retirement — plus a shared Household space on the Family plan.
Small business money
Money in and out, simple invoices you can send yourself, plain-English bookkeeping and cash flow reports you can actually read.
Explain this, everywhere
Every screen has one button. Ask in your own words and get a conversational answer based on your own numbers. Answers are educational, not professional advice.
Honest about what it does
You type your numbers in or upload a bank CSV. Rigova 365 never asks for your bank login, never moves money, and never files taxes for you.
What you can do with Rigova 365
Budgeting app
A simple budgeting app that builds a monthly budget from your real spending, plans each paycheck, and explains every number in plain English.
Family budget
Share 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 tracker
Track 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 calculator
List 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 calculator
Estimate 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 calculator
Estimate 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 tracker
Track your net worth over time: accounts, home and vehicle values on one side, debts on the other, with snapshots to see your progress.
Retirement planning
Estimate whether your savings, contributions, Social Security and pension could cover retirement spending, in today's dollars, and test what-if scenarios.
Small business finance
Simple bookkeeping, invoices and cash flow reports for small business owners who aren't accountants — kept separate from your personal money.
Tax organizer
Organize tax documents, tag deductible transactions, and track estimated payments all year so tax time is calmer. Rigova 365 does not file taxes.