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
A monthly budget that stays honest.
Ralphy shows you one warm, clear number — what's free to spend this month. Connect your bank securely, stay on pace, and get a friendly nudge instead of a guilt trip.
Sign in with Apple · Private by design · Delete your data anytime
Good evening, Stephen
May · 12 days to go
Free to spend
$1,240
Right on pace · $112 / day left
This month
All categories
Groceries$320 / $400
Dining out$145 / $200
Transport$60 / $150
Bank-grade security via Plaid
Sign in with Apple
Private — never sold
Delete everything in one tap
How it works
Set up in about three minutes.
No blank spreadsheet, no spending diary. Three steps and you're done.
2
Get a budget that fits
Ralphy suggests a monthly budget from your income that you can tweak in seconds — no staring at an empty grid.
3
Stay on pace
One number — free to spend — and a gentle nudge if a category runs hot. Encouraging, never shaming.
Why Ralphy
Budgeting that feels like a friend, not a spreadsheet.
Monthly, not micromanaged
One clear number — free to spend this month — with a gentle pace marker so you always know if you're ahead or running a touch fast.
Your real money
Connect your bank securely through Plaid and your accounts and transactions stay in sync automatically — no manual data entry.
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.
Ralphy keeps pace
A warm check-in when you're coasting, or a soft nudge when a category's running hot — and never any shaming about money.
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?
We're finalizing pricing. Join the early-access list and you'll be the first to know — early members get the best deal.
When does it launch?
Soon, on iPhone. Drop your email above and we'll let you know the moment it's ready.
Be first
Get early access to Ralphy.
One email when it's ready for iPhone. No spam, ever.