Every time you tap "Sign up with e-mail" in a budgeting app, your full list of purchases, your salary, your rent and your debts go to the servers of a company you know nothing about. For a personal budget, that trade is simply not necessary.
What a cloud budgeting app does with your data
- It builds a profile. Your spending pattern, approximate income, city and currency are valuable to advertisers and data brokers.
- It can leak. Servers get breached. Data that was never uploaded cannot leak.
- It holds your history hostage. When the subscription ends or the company shuts down, access to your own records can go with it.
- It depends on the internet. Without a connection, many apps cannot even save an expense.
What "stored on your device" means
The app has no server. Your data is saved in your phone's storage, like notes or photos. No account, password or e-mail address is needed, because nobody but you is meant to access it. And since there is no server, your data only goes where you put it yourself, such as a backup in your own iCloud Drive or Google Drive.
Three reasonable worries, answered
What if I lose my phone?
You make a backup: a single file you keep in iCloud Drive, Google Drive or anywhere else, ideally protected with a password. On a new phone you pick that file and everything comes back. The difference from a cloud app is that the file sits in your account, not in a company's database.
What about using two devices?
For a personal budget one device, usually your phone, is enough in practice. If you really need a second one, restore the same backup file there.
What if someone picks up my phone?
Use an app PIN, separate from the phone's lock. Your numbers are only visible after entering it.
How RizKharj is built
RizKharj has no server at all: no account, no ads, no analytics. Transactions, budgets and receipt photos stay on the device. Backups are JSON files you save through the share sheet, and a CSV export works with any spreadsheet. The privacy policy is short because there is little to say. Read more about the backup password.
Frequently asked questions
Does an offline app still get updates?
Yes. The web app picks up a new version whenever it opens with a connection, and the App Store version updates like any other app. Your data is not touched.
Can I open the JSON backup without RizKharj?
Yes, with any text editor (unless you protected it with a password). The data is readable and yours, so you are never locked in.
Does "no account" mean no protection?
No. The in-app PIN lock protects your numbers without handing an e-mail address to anyone.