iOS app / Live on the App StoreRuply.
Your money,
in your words.
A personal expense tracker built for India. Speak, snap, or forward a bank SMS and Ruply files it. Split with friends, run a household, and let AI tell you where the money went.
What it does
Everything your money needs.
Log by voice
Speak naturally in 12 Indian languages, even Hinglish. Ruply hears you, then shows the amount, date, and category ready to save. No typing, no forms.
Quick add with AI
Type "450 uber to office" or "80 chai tapri" and Ruply auto-fills the amount, category, merchant, and payment method.
Effortless capture
Forward a bank SMS, snap a receipt, or import a statement. Ruply reads the amount, merchant, and date and files it for you. Works with every major Indian bank.
Splits
Split anything with friends or a whole group with a shared running balance. Settle up in a tap, or scan any UPI QR to log and pay in one motion.
Household
Share one budget and a live feed with up to five family members, and let AI compare who spent what, with privacy controls for everyone.
AI insights
Ask Ruply anything in plain English, or read your Money Story, a monthly recap that explains your spending in plain, human language.
Everyday tools
Recurring bills logged automatically, EMIs tracked to the last rupee, budget envelopes for every occasion, and a map of exactly where your money goes.
Follows you
Switch phones, sign in with Apple, and everything comes back. Your iCloud plus an encrypted Ruply backup.
Private by design
No Ruply password or database. AI features send only your question and an anonymised summary, never your full expense history.
Designed, built, and shipped by one person.
Ruply is a native SwiftUI app. I designed the product experience, interaction flows, and interface, then built it: voice parsing, bank SMS and receipt extraction, encrypted splits, household sync, subscriptions, and the analytics that turn a pile of transactions into a Money Story. It is the most complete expression of what MBDesign Studio does.