Master Your Money.
Every Day, Every Decision.
rMoney gives you the complete toolkit to run your household or small business finances like a pro: live monthly budget pacing, debt payoff acceleration, receipt scanning, and life decision simulations.
Test-Drive rMoney’s Forecasting Engine Right Now
Toggle hypothetical life decisions below or slide your extra monthly debt payment to see how rMoney simulates your financial future—using the exact Showcase Demo Profile bundled inside the app.
Preloaded in the rMoney Showcase Demo Profile:
Eliminates the 22.49% Sapphire card first to stop compounding interest charges immediately.
Targets smallest balances first for rapid psychological momentum and cash-flow rollups.
Live Monthly Budget Pacing
Never wonder where your money went at the end of the month. rMoney monitors your real-time spending pace against your monthly goals, showing you exactly how much is safe to spend today in every single category.
- Daily Trajectory Gauges: Warns you days before you go over budget
- 1-Click Transaction Drilldown: Click any category to see every penny spent
- Flexible Targets: Adjust category limits in seconds as your priorities shift
Stress-Test Big Life Decisions
Thinking about buying a home, getting a new vehicle loan, switching careers, or planning a sabbatical? Test your decisions in rMoney before spending a dime.
- Future Solvency Testing: See your cash balance 30, 90, and 365 days ahead
- Unexpected Shock Protection: Simulates market dips and emergency repairs
- Zero Regrets: Commit to purchases knowing your financial foundation is protected
Crush Debt with a Visual Plan
Eliminating credit cards, auto loans, or student loans is easier when you see an exact debt-free date. rMoney automatically calculates your fastest path to zero.
- Snowball Strategy: Pay off smallest balances first for motivating quick wins
- Avalanche Strategy: Attack highest interest rates to save thousands in finance charges
- Exact Freedom Timeline: Shows the precise month and year your last debt disappears
Includes linked receipt photos, transaction timestamps, merchant names, and itemized deduction totals for your CPA.
Never Scramble for a Receipt Again
Drag and drop receipt scans, hardware invoices, or warranty contracts directly into any transaction. When tax season arrives, generate 1-click audit-proof deduction statements.
- Drag-and-Drop Receipt Vault: Store receipts alongside transactions
- 1-Click Statement Export: Hand your CPA formatted deduction reports
- Business vs Personal Tags: Split mixed expenses effortlessly
What You Get Free Forever vs. Upgrading to Pro
Unlike cloud apps that lock you out after a 14-day trial, rMoney’s Free Edition is yours forever with zero time limits. Upgrade to Pro for a single $29 lifetime payment when you want unlimited accounts and advanced simulation power.
rMoney Free Edition ($0 Forever)
Everything an individual or simple household needs to take total offline control of their checking, savings, and monthly budget:
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Up to 2 Active Accounts: Track your primary Checking & Savings or Credit Card with running balance trajectories.
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Full Statement Reconciliation & Split Transactions: Mark entries
Uncleared,Cleared, orReconciledand split multi-category receipts. -
Live Monthly Budget Planner: Set category targets with real-time daily pacing indicators and 1-click transaction audits.
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Recurring Bills & 365-Day Baseline Forecast: Schedule recurring bills/income, override single occurrences, and view your 365-day baseline balance curve.
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Smart Auto-Categorization Rules & Imports: Keyword rules engine + CSV/QIF migration from Microsoft Money or Quicken.
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Cash Flow Overview PDF & 3 Sample Receipts: Print-ready Cash Flow Overview report plus 3 receipt attachments to test the document vault.
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100% Local SQLite + Showcase Demo Profile: Runs completely offline on your SSD with PIN lock, privacy masking, and 1-click demo data.
rMoney Pro Edition ($29 Once)
Unlock the complete CFO-grade financial command center for your entire net worth, debt elimination, and tax preparation:
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Unlimited Accounts Across Every Asset & Liability: Connect unlimited Checking, Savings, Credit Cards, Auto/Student Loans, Mortgages & Investment accounts.
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"What-If" Life Decision Simulator: Layer hypothetical one-time or recurring purchases, salary changes, and transfers onto your 365-day forecast without touching real ledger data.
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Debt Snowball vs. Avalanche Planner & Amortization: Compare payoff strategies side-by-side, see your exact debt-free date & interest saved, and export full CSV amortization schedules.
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Full Executive Report Suite & CPA Tax PDFs: Unlock Budget Variance, Net Worth Trajectory, Income Statement (P&L), and itemized Tax Deduction PDF statements.
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Unlimited Receipt & Document Vault: Attach unlimited receipt images, PDF invoices, and warranties directly to transactions with high-res zoom inspection.
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AES-GCM-256 Encrypted Vaults & Hybrid Multi-Device Sync: PBKDF2 + AES-GCM-256
.rmvaultencryption, Local Wi-Fi QR pairing, and automated cloud-folder sync (.rmsync).
Pays for itself in 90 days vs. YNAB ($109/yr) • 30-day money-back guarantee
5-Year Ownership Cost Comparison
See how much stays in your bank account when you ditch recurring budgeting subscriptions:
The Honest Comparison
rMoney vs. Subscription Budgeting Apps
| Feature | rMoney | YNAB | Monarch / Simplifi |
|---|---|---|---|
| Price | $29 Once (Or Free) | $109 Every Year | $48–$100 Every Year |
| Where Your Data Lives | Strictly on your computer | Cloud servers (AWS) | Cloud servers |
| Works Without Internet | ✓ Always | ✗ No, web dependent | ✗ No, requires connection |
| What-If Life Decision Forecaster | ✓ Included | ✗ None | ✗ None |
| Debt Snowball & Avalanche Planner | ✓ Included | Basic | Basic |
| Receipt & Document Vault | ✓ PDF & Images attached | ✗ None | ✗ None |
Start Mastering Your Money Today
Download rMoney Free or grab the $29 Lifetime License for unlimited peace of mind.