Private & Offline. No Cloud Required.
Your finances stay on YOUR device.
Track subscriptions, bills, loans, EMIs and credit cards in one private app. No account. No bank connection. No tracking.
PRIVACY BY DESIGN
We know nothing about you. By design.
Most finance apps connect to your bank, track your behavior, and sell your data. Risvo takes a different approach.
Your financial data never touches our servers. We don't have servers. There is no account to create, no bank to connect, no analytics SDK running in the background, and no crash reports phoning home.
We built Risvo for people who believe their money is their business. Literally.
What We Don't Do
- No analytics SDKs
- No crash reporting or telemetry
- No account registration
- No advertising IDs
- No device fingerprinting
- No data selling
- No bank connection
- No ads
What We Do
- Works 100% offline
- Data stored only on your device
- App lock with fingerprint or face
- Free JSON backup and restore
- Password-protected backups
- AES-256 encrypted backup files
- You control your data
- Open export, no lock-in
One app. Everything that's due.
Subscriptions, credit cards, loans and EMIs, tracked in one place, completely offline.
Every subscription, one dashboard.
Track Netflix, Spotify, gym memberships, cloud storage and 500+ more services with ready-made logos. Pick your own icon and colour for everything else.
- 500+ popular services, ready to add
- 9 billing cycles, including bi-weekly and last day of month
- Trial period tracking with alerts before auto-renewal
- Split any bill and see who still owes you
- Mark paid in one tap, with undo
- Smart reminders: 1, 3, 7, or 14 days before due
ANALYTICS
Answers, not just charts.
Analytics starts with the questions you actually ask. View any month, quarter, or year.
- Where does my money go? Spending by category, paid versus remaining.
- What's coming next? Every upcoming payment, in date order.
- Is it going up? Trends across months, quarters and years.
- What changed vs last month? Month-over-month change, item by item.
- How are my loans doing? Principal paid, interest left, payoff progress.
- Are my cards healthy? Utilization, dues, and what needs attention.
NEW IN 2.0
Recur is now Risvo.
Same app, new name, rebuilt from the home screen up. Your data stays on your phone and premium stays unlocked.
A calmer home screen
One number for what's left to pay this month, a 7-day timeline, and a Needs attention list you clear in one tap.
Card EMI and no-cost EMI
Turn a purchase into instalments on your card. Counted once, with a next-bill estimate and a pro-rata refund if you cancel.
Split bills, per bill
See who owes you for each bill. Mark a share received or settle everything at once, with undo.
Your icons, your colours
Choose from 1,000+ icons or any emoji, plus a colour, for subscriptions, cards, loans, categories and profiles.
Cards as payment methods
Link subscriptions and loans to the card that pays them and see every charge per card.
Search, filter, sort
Find anything fast with search, quick filters, and totals that follow what you see.
Everything you need. Nothing you don't.
Smart Reminders
Never miss a payment. Alerts 1-14 days before any due date, plus trial-ending reminders.
162 Currencies
Live exchange rates with an offline fallback. Keep each bill in its own currency, with totals converted to yours.
App Lock
Lock Risvo with your fingerprint or face, so your numbers stay yours.
Calendar View
See every upcoming payment on a monthly calendar. Identify busy billing periods. Plan cash flow.
Multiple Profiles
Separate personal, family, and business expenses. Each profile tracks its own data independently.
Backup & Export
Free JSON backup and restore anytime, with optional password protection. Never locked in.
SEE IT IN ACTION
Risvo in under a minute.
Trial reminders, split bills, EMIs, card statements and analytics, in 57 seconds.
PREMIUM
Pay once. Own forever.
No subscription for your subscription tracker. One-time purchase, lifetime access.
Free
Limits
Included
Premium
Limits
Included
Your money's worth: less than a single cup of coffee.
Built for the world.
43 languages. 162 currencies. RTL support. From day one.
All 43 supported languages
4 RTL languages supported: Arabic, Hebrew, Farsi, Urdu
50 of 162 supported currencies
Live exchange rates with 3-tier API fallback and offline support
Frequently Asked Questions
Is my data really private?
Yes. Risvo contains zero analytics SDKs, zero crash reporting libraries, and zero advertising identifiers. All your data is stored locally on your device. We have no servers, no backend, and no way to access your information. The only network requests Risvo makes are for exchange rates from public APIs, and only the currency code is sent, never any personal data. Its permissions are limited to internet (exchange rates), notifications, exact alarms and restoring reminders after a restart. None of them access your contacts, location, camera, or storage.
Do I need an account?
No. Open the app and start tracking immediately. There is no signup, no email verification, no phone number, and no sign-in of any kind.
What if I lose my phone?
Back up regularly. Settings > Backups > Export creates a JSON backup file, optionally protected with a password, that you can save wherever you like: your own cloud drive, email, or a computer. On your new phone, install Risvo and restore that file in seconds.
Why did Recur change its name to Risvo?
Recur is now Risvo: same app, same developer, same privacy promise. Update from Google Play and everything carries over. Your data stays on your phone and premium stays unlocked.
How do I restore my premium purchase?
Go to Settings > Premium > Restore Purchase. Make sure you are signed in with the same Google Play account used for the original purchase. The restore process is handled through Google Play and does not require contacting us.
How are exchange rates updated?
Risvo uses a 3-tier API fallback system: it tries exchangerate-api.com first, then fawazahmed0's GitHub API, then frankfurter.app. Rates are cached for 24 hours to minimize network requests. If all APIs are unavailable (no internet, all endpoints down), Risvo falls back to bundled offline rates that ship with the app. Only the currency code is sent in these requests — no personal data, no device identifiers, no API keys.
Have more questions? Visit our support page.
Start tracking. Stay private.
Download free. No signup needed. Your data stays yours.
