COMING SOON

The third person in your household finances.

Ruka tracks shared spend, nudges bills before they're late, and answers "can we afford it" — for couples, families, co-parents, and roommates splitting money together.

🔒 HTTPS encrypted connection

🚫 We never sell your data

💬 No advice, no upsells

What it actually does

💰

Tracks shared spend automatically

Groceries, bills, kid expenses — categorized without either of you entering a thing.

🔔

Nudges before things are late

Ruka tells you both when a bill's due and nobody's marked it paid — before it becomes a fight.

💬

Answers the money questions

"Can we afford the camp deposit?" Ask like you'd ask a person. It knows your actual numbers.

⇄

Splits and follows up for you

Set a split — 50/50, 60/40, per custody agreement, or evenly across housemates — and Ruka requests, tracks, and reminds. Not you.

Curious what it actually looks like? Try the interactive demo →

Built for however your household works

Couples & families under one roof

One shared view of the money, so it's not just one partner carrying the mental load of remembering everything.

Co-parents splitting costs across two homes

Custody-agreement expense splitting, automatic reimbursement requests, and a record of who paid what — without the back-and-forth texts.

Roommates & share houses

Rent, wifi, utilities, and shared purchases split evenly across everyone in the house — no more chasing housemates for their share.

Questions

Is this a bank or a budgeting app?

Neither, exactly. Ruka connects to your existing accounts to track spending and coordinate between people — it doesn't hold your money or give investment advice.

Does my ex, partner, or housemate need the app too?

For splitting and reimbursements, yes — both people need an account so requests and confirmations happen automatically instead of over text.

Is my data private from my co-parent, partner, or housemates?

You control what's shared. Shared expenses are visible to both people by design; anything outside that split stays private.

When does it launch?

We're onboarding waitlist users in small batches. Join above and we'll email you when it's your turn.

The third person in your household finances.

Stop being the only one who remembers.