Rivo
An expense tracker that reads your bank SMS and never sends them anywhere.
Rivo
An expense tracker that reads the bank SMS you already get — and never sends them anywhere.
Rivo turns your bank’s transaction alerts into a spending record, entirely on your phone. No account, no sign-up, no server.
Download
Rivo is not on the Play Store yet. Until it is, you can install it directly.
Older versions stay available on the releases page. Each release is signed with the same key, so a newer version installs over an older one and keeps your history, rules and settings.
How to install an APK on Android
- Open the link above on your phone and download the file.
- Android will warn you that the file came from outside the Play Store. This is expected — tap Settings, then Allow from this source.
- Open the downloaded file and tap Install.
You may need to enable Install unknown apps for whichever app you used to open the download (Chrome, Files, or your browser). It is a per-app setting and you can turn it back off afterwards.
Requires Android 8.0 (API 26) or newer. The APK is 27.0 MB.
Privacy in brief
- No internet permission. The app cannot open a network connection — you can confirm this in Android’s app-info screen.
- Your data stays on your phone, in an encrypted database whose key is held in the Android Keystore.
- No account, no analytics, no ads, no trackers.
- Subscriptions are handled by Google Play. Rivo never sees your payment details.