Give your money
a job.
Raky turns what lands in your account into a plan you can actually keep — bills, debt, the goals you keep putting off, and room to still have a life. It takes a few minutes, and it never asks for your bank login.
A budget that does the deciding for you
The plan
This is what changes when the money has a job
Raky splits what lands in your account across your bills, your debt, your goals and the fun — before the month starts. Not a pie chart of what you already spent. A decision, made in advance.
The whole year
Including the costs that only show up once
Insurance, the car, Christmas, the dentist. The expenses that wreck a monthly budget are the ones that are not monthly, so Raky asks about them up front and sets the money aside a bit at a time.
Your goals
A date, not a someday
Tell Raky what you are saving for and how fast you want it. It works out what that costs per month, tells you honestly whether it fits, and adjusts the pace with you rather than just going red.
Room to live
A plan you have not abandoned by week two
Every budget that fails, fails because it left nothing for a coffee or a night out. Raky builds the fun in on purpose, so sticking to the plan does not mean putting your life on hold.
No bank login, ever
Raky has no bank connection and never asks for one. Nothing to hand over, nothing to revoke, no third party sitting between you and your accounts.
It does the maths
You answer questions about your life. Raky works out the split, the pace and whether the goal is realistic, and tells you when it is not.
Built to be kept
A plan with no room in it is a plan you quit. Raky budgets for the fun as deliberately as it budgets for the rent.
What Raky is for
Illustrative — Raky is in beta and has no customers yet“I had the money the whole time. What I did not have was a reason for any of it. Now all of it is spoken for before the month starts.”
“Setting it up took about four minutes and it asked me things my spreadsheet never did — the annual stuff, the fun stuff, the bits I always forgot to budget for.”
“It never asked to connect to my bank, which is the reason I actually finished setting it up.”
Questions
When does Raky launch?
Raky is in development and has not been released yet. Join the waitlist and we will email you once — on the day it opens.
Does Raky connect to my bank?
No. Raky never asks for your bank login, and there is no bank connection in the app at all. You tell it what comes in each month and it builds the plan from there.
What will it cost?
Pricing is not final. Raky will have a subscription, and waitlist members will hear the price before anyone else.
How long does setup take?
A few minutes. Raky asks about your income, your home, your bills, any debt, and what you are saving for, then works out the plan for you rather than handing you an empty spreadsheet.
What happens to my data?
Your plan is stored in your Raky account so it survives a new phone. We do not sell it and we do not share it with advertisers. The full privacy policy goes up before launch.
Which platforms will it be on?
iOS first, with Android to follow. The waitlist is one list — tell us which you use when we email you.
Be there when Raky opens
One email, on launch day. Waitlist members hear the price first.