Public landing page with an example account and monthly overview.
Account snapshot with total balance, monthly activity, per-currency balances, and a year-long spending calendar.
Assets inside one account, with investment and other balances split and a display-currency switch.
Monthly statistics: income, spending, net result, and a category-by-category comparison with the previous month.
Subscriptions with estimated monthly total, due-soon and overdue tracking, and spending by category.
Debts split into owed-to-me and I-owe, with net position, due dates, and partial repayments.
Asset detail with quick actions for records, transfers, and balance prediction above the dated ledger.
The challenge
Personal finance information is usually split between banking apps, subscription reminders, spreadsheets, and notes. Bank-connected tools trade privacy for convenience, and heavy budgeting software feels prescriptive. Rinalance was designed as a calmer alternative: every balance follows from records the user enters, and each account stays an isolated financial context.
What was built
Model money around accounts as separate financial contexts, each holding its own assets, records, subscriptions, debts, and budgets.
Make records the source of truth so every balance, chart, and statistic is recalculated from dated income, expense, and transfer entries.
Store money as integer minor units and keep every asset in its original currency, converting totals only in the currency the user is viewing.
Ship as an installable, responsive PWA with light and dark themes so it works as a daily tool on phone and desktop.
Product decisions
Stay manual-first: no bank-feed aggregation, so the user decides what gets recorded and can delete everything at any time.
Free users can track indefinitely; Premium (EUR 4.99/month) adds budgets, cash-flow forecasts, custom categories, email reminders, and higher limits.
Application code calculates every financial value; AI, when added, may only explain results and never change records.
Keep debts, subscriptions, and scheduled activity as their own commitments instead of folding them into ordinary expenses.
Delivered functionality
Accounts with assets, investments, and drag-and-drop ordering
Income, expense, and transfer records with categories and notes
Statistics with month-over-month category comparison and a year-long spending calendar
Subscription tracking with billing cycles, due dates, and monthly cost estimates
Debt tracking for money owed and owing, with partial repayments and net position
Monthly budgets, custom categories, and a 30/60/90-day cash-flow forecast
Seven currencies (EUR, USD, GBP, CHF, JPY, CAD, AUD) with live exchange rates
Balance prediction, charts, CSV export, and account deletion
Stripe-backed Premium plan with in-app and email reminders
Result
A publicly available finance SaaS at rinalance.com with a free plan and a paid Premium tier.
One workspace for balances, activity, commitments, and trends without handing over a bank login.
A supporting site with pricing, feature guides, use cases, comparisons, and free finance calculators.
Start a project
Have something to launch or improve?
Tell us about the business and the workflow behind it. You get a reply within one business day.
