Richer: Budget & Finance

RICHER: Personal Finance App for Individuals & Families

- No Google Ads (Privacy-First)
- No Monthly Fees (Pay Once, Own Forever)
- Works 100% Offline
- Encrypted Local Storage

MULTIPLE PROFILES - ONE APP
  - Perfect for couples, families, or individuals managing multiple finances
  - Each profile has its own accounts, budgets, and financial goals
  - No sharing between profiles unless you choose to
  - Cross-device sync coming soon

EXPENSE TRACKER & BUDGET PLANNER
  - Categorize every transaction (food, transport, bills, shopping, etc.)
  - Set monthly budgets and track spending in real-time
  - Visual progress bars show remaining budget at a glance

DEBT TRACKER -- SMARTER THAN OTHER APPS
  - Debts and receivables directly linked to your wallet or bank account balance
  - Balance updates automatically when debt is recorded or settled
  - Share your debt list as an image straight to WhatsApp -- chase payments effortlessly
  - Full details in one view: name, amount, due date, and status
  - A debt tracking feature most personal finance apps simply don't have

FINANCIAL GOALS TRACKER
  - Create custom saving goals (vacation, emergency fund, house, etc.)
  - Link multiple wallet accounts or bank accounts to a single goal
  - Track savings progress visually and in real-time

COMPLETE MONEY MANAGEMENT
  - Track bank accounts, e-wallets, and cash in one place
  - Manage recurring expenses automatically
  - Detailed charts and financial visualizations

MULTI-CURRENCY SUPPORT
  - IDR, USD, SGD, and more with live daily exchange rates
  - Each wallet account has its own currency, convert amounts instantly
  - Perfect for digital nomads managing multiple currencies

PRIVACY-FIRST -- YOUR DATA IS YOURS
  - All data stays on your device -- never sent to any server
  - Works fully offline, no account required
  - Military-grade encryption for sensitive financial data
  - Optional Google Drive backup for peace of mind

SECURITY YOU CAN TRUST
  - PIN & biometric lock (fingerprint/face recognition)
  - No trackers, no ads, no data sales -- ever

CELEBRATE YOUR FINANCIAL MILESTONES
  - Earn achievements when you stay on budget or hit savings targets
  - Share milestones to Instagram or TikTok -- no amounts shown, only percentages

PERFECT FOR:
  - Couples managing household budget separately on their own device
  - Families with members tracking money independently
  - Individuals keeping personal & business finances separate
  - Freelancers needing a simple personal finance tracker
  - Digital nomads managing multiple currencies
  - Privacy-conscious users who don't want their data sold

WHY RICHER IS DIFFERENT:
Multi-profile finance, automatic debt tracking, goals tracker, fully offline, no cloud servers. The only money management app that keeps your financial life completely private.

QUICK START:
1. Launch app and follow onboarding
2. Add your accounts (bank, e-wallet, cash)
3. Track expenses and set your monthly budget
4. Reach your financial goals

Download Richer today -- the personal finance app built for privacy.
Questions? Check our FAQ or contact support.