Respiro Money Contact

End-to-end encrypted

A personal finance app that can't see your money.

Track income, expenses, and net worth, all encrypted before it ever leaves your device.

Coming soonNever sharedPrivacy notice

Net worthIllustrative
$273,685.00
  • Property142,000
  • Investments71,480
  • Cash38,905
  • Vehicles21,300
Computed on your device. Stored encrypted, unreadable to us.
Expenses ยท MonthlyIllustrative
$2,930.00
  • Housing1,850
  • Food612
  • Transportation340
  • Subscriptions128
Sorted on your device. Stored encrypted, unreadable to us.

Flexible imports

Three ways your finances can reach us

Connect a bank, upload a statement, or type it in. Every route ends the same way: encrypted on your device, then uploaded as scrambled, unreadable data. Bank data passes through us to reach your device. We hold it for a moment and store none of it.

Categorization

Already sorted when you look

Your device downloads a rulebook of merchant names and does the matching itself. Housing, food, transportation, and the rest, sorted before you look. Fix one and it stays fixed.

Custom categories & projects

Your categories, not ours

Create your own categories, and future transactions that match sort in automatically. Name as many projects as you want, like a remodel or childcare, and group any expense into them.

Net worth

What you own, minus what you owe

Property by address, vehicles by VIN, plus stocks, bonds, cash, loans, and what a friend still owes you. One number, computed on your device from your own figures.

Subscriptions

Every recurring charge, listed

Same merchant, similar amount, regular cadence. Your device spots the pattern and puts each one in a list with what it costs and when it comes around again.

Shared accounts

For the people closest to you

Share any account with everyone who needs it. Encrypted for each person, unreadable to anyone else.

Cross-currency

Several currencies, one number

Pesos, euros, and dollars can sit side by side, and the total reads in whichever one you think in. Each transaction converts at the exchange rate from the week it happened, so your history holds still when the market moves.

On your terms

No budget until you build one

Budgets and goals exist if you want them, scoped however you define them. Nothing is on by default, and nothing nags you to turn it on.

Leaving

Cancel any time, and take it all with you

Everything downloads as plain spreadsheet files that open without us, and loads straight back in if you return.

See exactly where you stand, and how you got there.

$100 a year. Coming soon.

Annual billingCancel any timePrivacy notice