Free plan forever — no credit card required

Track What You Own, What You Lend, What You Owe

Track your growing assets, manage money lent to family and friends, and see your complete financial picture — all in one place.

No credit card required • Free plan • Setup in under 2 minutes

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Total Wealth

$127,450

View Details →

Assets (4)

$120,000

Ledgers (3)

+$7,450

Recent Activity

Marcus · Home Reno

Ledger

Opening balance · 2d ago

+$4,000

Emergency Fund

Asset

New asset · 1d ago

$15,000

Trip to Italy

Ledger

Hotel split · 3h ago

−$250

Why You Need to Track Your Money

Tracking money, managing ledgers, and building wealth shouldn't require complex spreadsheets and guesswork

Your Total Wealth, at a Glance

Log savings, investments, and property in one place. Recipro tracks your net worth and shows how it changes over time

Ledgers for Loans & Splits

Open a ledger for any money relationship — loans to friends, group trips, shared expenses. Log entries and the balance is always calculated for you

Multi-Currency, Zero Math

Track money in any currency. Everything is automatically converted to your home currency for a single, clear total

Reminders That Keep You Accountable

Set custom reminders on ledgers and assets so you never miss a follow-up, payment date, or portfolio check-in

The Big Picture, Not Every Coffee

Recipro tracks your net worth over time — not your lunch. No expense tagging, no receipts, no daily logging.

Micro budgeting

“Where did each euro go?” — every transaction, tagged and logged.

Big-picture tracking

“Am I heading the right way?” — net worth over time.

No expense taggingNo receiptsNo daily logging

See Exactly How It Works

Real UI, zero guesswork — see what you'll use every day

Asset Breakdown

$120Ktotal
Savings
40%$48,000
Investments
30%$36,000
Real Estate
18%$21,600
Retirement
12%$14,400

See Your Wealth at a Glance

Track all your assets across 7 categories. Watch your net worth grow over time and understand your complete financial picture.

  • 7 categories: savings, investments, real estate, and more
  • Historical value tracking
  • Multi-currency with automatic conversion
  • Chill Calculator — know your financial runway

Build Your Wealth and Track Your Net Worth

Track your assets, monitor net worth growth, and calculate your financial runway. See how long you can chill without working based on your total assets and lifestyle.

Track Your Wealth

Monitor all your assets in one place. From savings and investments to real estate and retirement accounts — get a complete view of your net worth.

  • 7 asset categories (Savings, Investments, Real Estate, etc.)
  • Historical value tracking and growth charts
  • Multi-currency support with automatic conversion
  • Total net worth calculation
  • Add assets manually — or import them in seconds with AI

Chill Calculator

How long can you go without working? Calculate your financial runway based on total assets, monthly expenses, and passive income streams.

  • See your months of financial freedom
  • Factor in passive income (rent, dividends, etc.)
  • Understand your burn rate
  • Plan for financial independence

Asset Breakdown

$120Ktotal
Savings
40%$48,000
Investments
30%$36,000
Real Estate
18%$21,600
Retirement
12%$14,400
Chill Calculator

18 months

of financial runway

Monthly expenses

$3,200

Passive income

+$800/mo

Every Currency — and the Math Behind It

Hold money in dollars, euros, reais, or pounds. Recipro converts everything to your currency automatically — and when a value shifts, it shows you exactly why.

  • Set your home currency once — every total is shown in it
  • Automatic conversion using up-to-date exchange rates
  • See how much of a change came from you vs. the exchange rate
Start Tracking in Any Currency

AUG/26

Foreign Account

+44,54 € (+0.5%)

JUL/26

8.527,59 €

AUG/26

8.572,13 €

Why it changed

Your value updates
0,00 €
Currency movement
+44,54 €

Held in BRL, but shown in EUR. Between Jul and Aug the exchange rate moved — changing its value in EUR with no update from you.

1 BRL = 0.1706 EUR → 0.1714 EUR

Total change+44,54 €

Simple to Start, Easy to Use

Get up and running in minutes with our intuitive interface

Track Your Wealth

Step 1

Add Your Assets

Add your savings, investments, real estate, crypto, and other assets — manually or with AI — to get a complete picture

Step 2

Track Your Growth

Update asset values over time and watch your net worth grow with historical tracking

Step 3

Calculate Your Chill

Find out how long you can live without working based on your assets, expenses, and passive income

Swipe to see more

Track with Ledgers

Step 1

Create a Ledger

Name it anything — a person, a trip, a project. One ledger per situation you want to track

Step 2

Add Entries

Record credits and debits as they happen. The running balance updates automatically after each entry

Step 3

Track & Share

See the current balance at a glance, set reminders, and share a link so both parties stay in sync

Swipe to see more

Recipro vs. the Old Way

Spreadsheets break. Budgeting apps nag. Recipro just shows you the big picture — for free.

Spreadsheets & budgeting apps
Recipro
Your net worth in one number
Manual formulas
Automatic
Multiple currencies
Copy-paste FX rates
Auto-converted
Daily logging
Every receipt
Not needed
Money lent to friends
Easily forgotten
Tracked in ledgers
How long your money lasts
Guesswork
Chill Calculator
Price
Your time
Free — upgrade optional

Secure & Private

Your financial data is encrypted and never shared

Dedicated Support

We're here to help whenever you need us

Always Improving

New features and improvements added regularly

Questions? Answered.

Everything you need to know before you start.

Is Recipro really free?

Yes — Recipro is free forever, and you don't need a credit card to start.

Do I need to connect my bank account?

No — you add and update your values yourself, manually or with AI, so nothing is linked and your data stays private. Automatic bank connections via open banking are on our roadmap.

Does it handle multiple currencies?

Yes. Set your home currency once and Recipro converts everything automatically — and shows you when a change came from exchange rates.

Is this a budgeting app?

No. Recipro tracks the big picture — your net worth over time — not every transaction. No categories, no receipts, no daily logging.

Is my data secure?

Your financial data is encrypted and never shared.

Start Tracking Your Money Today

Manage your finances, build wealth, and achieve financial clarity — all without spreadsheets

No credit card required • Free plan • Setup in under 2 minutes