by arxfutureThe security-first personal finance & budget tracker
GoRich tracks your expenses and income, warns you before you blow a budget, automates recurring subscriptions, and shows your real savings rate. No bank credentials. No ads. Nothing sold to anyone.
Free — no credit card required. No paid tier, no ads, and no third parties to sell your data to.
This month
Savings rate 42%Income
$5,200
Expenses
$3,016
Net savings
$2,184
Budgets on track
6 / 7
Everything you need to manage your money
One place for income, spending, budgets, subscriptions and insights.
Track every dollar
Log expenses and income in seconds with categories, tags, merchants and notes. Filter, search and sort to find anything fast.
Budgets that warn you
Set per-category monthly budgets and get alerted the moment you approach or blow your limit — no nasty end-of-month surprises.
Insights & analytics
See spending trends, category breakdowns, month-over-month comparisons and your real savings rate at a glance.
Automated subscription tracking
Recurring subscriptions and income post themselves on schedule — weekly, biweekly on a fixed weekday, monthly or yearly, in your own timezone.
Multi-card expense management
Add your own payment methods — “Amex Gold”, “Visa ••1234” — and see exactly how much goes on each card.
Renewal & budget alerts
In-app, email and web-push notifications for budget thresholds, subscription renewals, and a monthly summary on the 1st.
Your finances, seriously protected
GoRich has no bank integration and no third parties, so there is nothing to leak and nobody to sell to. Here is exactly what protects the data you do put in — no vague promises.
- ✓Two-factor authentication (TOTP), asked for again before sensitive actions
- ✓Your 2FA secrets are encrypted with AES-256-GCM; passwords are hashed with bcrypt
- ✓Sessions are short-lived and rotate — a stolen session token is detected and the whole family revoked
- ✓Strict same-site cookies, CSRF protection, HTTPS everywhere
- ✓Built and tested against the OWASP Top 10 and OWASP ASVS Level 2
- ✓Your data is never sold or shared with anyone — export it or delete your account at any time
Get started in minutes
Secure your account
Verify your email and switch on two-factor authentication — under a minute, before you enter a single number.
Bring your money in
Add income, expenses and recurring subscriptions once. GoRich posts the recurring ones on schedule, in your timezone.
Find what’s leaking
See your real savings rate, spot the categories creeping up, and get warned before a budget blows — not after.
Questions people actually ask
- Is GoRich free?
- Yes. There is no paid tier and no credit card required. GoRich is not funded by advertising and your data is never sold, so there is no hidden price either.
- Do I have to connect my bank account?
- No. GoRich never asks for your online banking credentials and has no bank integration. You enter transactions yourself, or let recurring subscriptions post them automatically. Nothing can reach your bank because nothing is connected to it.
- How is this different from mainstream budget apps?
- Most free budget apps monetise your transaction history through advertising, affiliate offers, or by selling anonymised spending data. GoRich has no third parties at all — no analytics vendors, no ad networks, no data brokers.
- How is my data protected?
- Passwords are hashed with bcrypt and two-factor secrets are encrypted with AES-256-GCM. Sessions are short-lived and rotate, and a reused session token revokes the whole session family. The app is built and tested against the OWASP Top 10 and OWASP ASVS Level 2.
- Can I get my data out?
- Any time. Export everything you have entered, or delete your account outright — deletion removes your data, it does not just deactivate the login.
- Does GoRich handle multiple cards and currencies?
- You can add as many payment methods as you like and see spending broken down per card. Amounts are stored in exact integer minor units, so totals never drift the way floating-point maths does.
Why GoRich exists
I built GoRich because every expense tracker I tried wanted my online banking password, buried an advertising business in the privacy policy, or both. I wanted one that treated my financial history as mine: no bank credentials, no third-party trackers, nothing sold to anyone. So I built it the way I build systems professionally — threat model first, security as the requirement rather than the feature. It is free because there is nothing to sell.
— the team at arxfuture
Start managing your money today
Join GoRich and turn scattered transactions into clear, confident financial decisions.
Create your free accountFree — no credit card required.