Recio
Private finance for iPhone
Recio
A private expense tracker for personal budgets, household spending, and shared expenses.
- Track spending without connecting a bank account.
- Build monthly budgets and review category totals.
- Split shared expenses and keep clear running balances.
Monthly overviewFeatures
Personal and shared spending, clearly organized.
Recio combines manual expense tracking, monthly budgets, shared balances, reminders, and reporting in one private iPhone app.
Track
Add expenses in seconds.
Capture only the details that matter and keep a clean, searchable history of your spending.
Manual entry
Add a merchant, amount, category, date, notes, and payment context.
Clean history
Review past expenses and find the record you need without clutter.
Edit anytime
Correct an amount, category, date, or note and keep totals accurate.
Budget
Understand the month before it ends.
See how much you have spent, where it went, and what remains without building a separate spreadsheet.
Monthly targets
Set a budget and follow progress throughout the month.
Category totals
Understand household, food, travel, personal, and other spending areas.
Clear trends
Review changes over time and identify categories that are growing or improving.
Split
Share costs your way.
Create a group for a household, partner, roommates, a trip, or a dinner and choose the split method that matches the situation.
Equal split
Divide the total evenly while keeping rounding accurate to the cent.
Percentage split
Assign percentages for income-based or agreed household contributions.
Custom amounts
Set exact shares when each person is responsible for a different amount.
Running balances
See who owes whom after multiple expenses rather than settling every purchase separately.
Settlement records
Mark a balance as settled and keep a clear history. Recio records the settlement; it does not transfer money.
Household view
Bring recurring bills and everyday shared purchases into one understandable view.
Review
Reports when you need more detail.
Turn your records into useful summaries for monthly reviews, household discussions, or personal planning.
Support
Answers for using Recio with confidence.
Find help with expenses, budgets, shared groups, premium access, privacy, and account controls.
Add an expense
Open Recio, select Add Expense, enter the amount and details, then save.
Create a budget
Open Budgets, choose the month, enter your target amount, and confirm.
Split an expense
Select a shared group, add the expense, choose the payer and split method, then save.
Does Recio connect to my bank account?
No. Recio is designed for manual expense tracking and does not require bank credentials or automatic transaction syncing.
How do I correct an expense?
Open the expense from your history, select Edit, update the information, and save. Your totals and budgets should refresh automatically.
How are shared expenses divided?
Depending on the group, you can split an expense equally, by percentage, or by custom amounts. All shares must add up to the original expense total.
Does Recio send money between people?
No. Recio calculates and records balances and settlements. It does not move money, process transfers, or connect to payment accounts.
How do I restore premium access?
Open Recio Settings, select Premium, and choose Restore Purchases. Use the same Apple Account that completed the original purchase.
Can I use Recio without an internet connection?
Core local expense tracking may remain available offline. Features that require account verification, purchase restoration, support, or synchronization may need an internet connection.
How do I delete my account?
Open Settings, select Privacy & Data, choose Delete Account, and follow the confirmation steps.
What information should I avoid sending to support?
Do not send passwords, payment card numbers, bank credentials, government identification numbers, or other highly sensitive information.
Contact
Tell us how we can help.
For account access, expenses and budgets, shared groups, premium access, privacy, deletion, or a technical issue, submit a request through Recio's Support option.
Include the information that helps diagnose the issue.
- Your Recio version, iPhone model, and iOS version.
- The steps you followed and what you expected to happen.
- The topic: account, spending, shared group, premium, privacy, or deletion.
Keep sensitive information private.
Do not include passwords, payment card numbers, bank credentials, or government identification numbers in a support request.
Legal
Recio Privacy Policy
Effective July 24, 2026
Read the complete Privacy Policy
1. Scope
This Privacy Policy applies to Recio, including the iPhone app, its support pages, and services used to provide account, purchase, synchronization, or support functions. It does not apply to third-party websites or services that have their own privacy policies.
2. Information you choose to provide
Depending on the features you use, Recio may process information you enter into the app, including:
- account information used to sign in or manage access;
- expense records such as merchant, amount, category, date, notes, and payment context;
- budget amounts and category settings;
- shared group names, members, expense shares, balances, and settlement records;
- reminder and notification preferences;
- support requests and the information you include in them.
3. Information Recio does not require
Recio does not require your online banking username, banking password, or payment card credentials. Recio does not provide automatic bank transaction syncing. Recio does not sell personal information or use expense records to build third-party advertising profiles.
4. Technical information
When needed to operate, secure, or improve the app, Recio may process limited technical information such as app version, device type, operating-system version, language, time zone, general diagnostic events, and crash information. The information available depends on your device settings and the services enabled in the version of Recio you use.
5. How information is used
Recio uses information to:
- provide expense tracking, budgets, shared calculations, reminders, reports, and exports;
- authenticate accounts and maintain app access;
- display and update shared group information for authorized members;
- restore eligible purchases and confirm premium access;
- respond to support, privacy, and data requests;
- protect the app from misuse and investigate technical problems;
- improve reliability, accessibility, and performance.
6. Shared groups
When you add information to a shared group, authorized group members may be able to view the group's expenses, members, shares, balances, notes, and settlement history. Only add information that is appropriate to share with those members.
7. Storage and security
Recio is designed to use reasonable technical and organizational safeguards appropriate to the information it handles. These safeguards may include device protections, access controls, encrypted transmission, and encrypted storage where supported. No method of storage or transmission can be guaranteed to be completely secure.
8. Service providers
Recio may rely on service providers for functions such as app distribution, purchase processing, authentication, secure hosting, diagnostics, and support. These providers process information only for their services and under their own legal and privacy obligations. Apple processes App Store purchases under Apple's terms and privacy policy.
9. Retention
Information is kept only for as long as reasonably needed to provide Recio, maintain security, comply with legal obligations, resolve disputes, and enforce agreements. Records you delete may remain temporarily in protected backups before scheduled removal.
10. Your choices and rights
Depending on where you live, you may have rights to access, correct, export, or delete personal information, or to object to or restrict certain processing. You can edit many records directly in the app and can request account deletion through Recio's in-app privacy controls.
11. Account deletion
Open Recio, go to Settings, select Privacy & Data, choose Delete Account, and complete the confirmation steps. Additional instructions are available in the account deletion section below.
12. Children
Recio is not directed to children under 13. A person who has not reached the age of majority where they live should use Recio only with permission from a parent or legal guardian.
13. International processing
Service providers may process information in countries other than the country where you live. When this occurs, Recio uses protections required by applicable law and the relevant service agreements.
14. Policy changes
This policy may be updated when Recio changes, when legal requirements change, or when clearer information is needed. The effective date at the top of this section will be updated when a revised policy is published.
15. Contact
Questions and privacy requests can be submitted through Recio's Support option. Do not include passwords, payment card numbers, or bank credentials in a support request.
Legal
Recio Terms of Use
Effective July 24, 2026
Read the complete Terms of Use
1. Recio
Recio is a personal and shared expense-tracking app. It helps users record expenses, manage budgets, calculate shared balances, record settlements, review spending, and use related reporting features. Recio does not provide banking, payment transfer, accounting, tax, legal, investment, or financial-advisory services.
2. Eligibility
You must be at least 13 years old to use Recio. If you have not reached the age of majority where you live, you may use Recio only with permission from a parent or legal guardian who accepts these Terms on your behalf.
3. Your account
You are responsible for keeping your sign-in credentials and device secure, for the activity performed through your account, and for keeping your account information accurate. Notify Recio Support if you believe your account has been accessed without authorization.
4. Your records
You are responsible for the accuracy of expenses, categories, budget amounts, group members, shares, balances, notes, and settlement records you enter. Review important calculations before relying on them. Recio's records do not replace bank statements, receipts, contracts, tax records, or professional advice.
5. Shared expenses
Shared calculations are informational. Recio does not transfer money, verify whether a payment occurred, enforce a debt, or guarantee that another person will settle a balance. Group members are responsible for resolving disagreements and confirming payments outside the app.
6. Premium features and purchases
Some features may require a paid purchase or subscription through Apple's App Store. Prices, billing periods, renewal, cancellation, refund eligibility, and payment processing are governed by the purchase information shown in the app and Apple's applicable terms. Deleting the app or a Recio account does not automatically cancel an Apple subscription.
7. Acceptable use
You may not use Recio to:
- break the law or violate another person's rights;
- access another person's account or data without authorization;
- upload malicious code or interfere with the app's security or operation;
- misrepresent payments, balances, identities, or ownership of information;
- reverse engineer or attempt to extract source code except where the law expressly permits it;
- use automated methods to overload, scrape, or disrupt the service.
8. Privacy
Recio's handling of personal information is described in the Privacy Policy section above. By using Recio, you acknowledge that information will be handled as described there.
9. Availability and changes
Recio may add, change, suspend, or discontinue features to improve the app, address security or legal requirements, or maintain service quality. Availability may be affected by maintenance, device settings, network access, Apple services, or events outside Recio's reasonable control.
10. Third-party services
Recio may interact with services operated by Apple or other providers. Those services are governed by their own terms and privacy policies. Recio is not responsible for third-party services that it does not control.
11. Intellectual property
Recio, its app design, branding, code, text, graphics, and related materials are protected by intellectual-property laws. These Terms give you a limited, personal, non-exclusive, non-transferable, revocable right to use the app in accordance with these Terms.
12. Disclaimers
Recio is provided on an "as is" and "as available" basis to the extent permitted by law. Recio does not guarantee that the app will always be uninterrupted, error-free, completely secure, or suitable for every financial, tax, accounting, or legal purpose.
13. Limitation of liability
To the extent permitted by law, Recio will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, data, goodwill, or opportunities arising from use of or inability to use the app. Nothing in these Terms excludes liability that cannot legally be excluded.
14. Suspension and termination
Recio may suspend or terminate access when reasonably necessary to protect users, comply with law, investigate misuse, or enforce these Terms. You may stop using Recio at any time and may request account deletion through the app.
15. Governing law
These Terms are governed by the laws of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-law principles. Courts located in Ontario will have jurisdiction, except where consumer law requires another forum.
16. Changes to these Terms
These Terms may be updated when Recio changes or when legal requirements require an update. The effective date at the top of this section will be revised when new Terms are published. Continued use after the updated Terms take effect means you accept them.
17. Contact
Questions about these Terms can be submitted through Recio's Support option.
Account and data
Delete your Recio account.
Account deletion permanently removes access to your Recio account and starts deletion of associated personal information, subject to limited legal, security, and backup-retention requirements.
Open Recio
Sign in to the account you want to delete.
Open Settings
Select the Settings tab or settings button in Recio.
Select Privacy & Data
Open the section that contains your privacy and account controls.
Choose Delete Account
Review the information shown and continue only when you are ready.
Confirm deletion
Complete the identity or confirmation steps shown in the app.
Account access ends
You will no longer be able to sign in to the deleted Recio account.
Personal records are removed
Personal expenses, budgets, preferences, and other account data are scheduled for deletion, subject to required retention.
Shared records may remain
Information needed to preserve another member's shared expense history may remain in a limited or de-identified form.
Backups expire separately
Protected backup copies may remain temporarily until they are removed through the normal backup cycle.
Export first
Export any records you want to keep before requesting deletion.
Subscriptions are separate
Deleting a Recio account does not automatically cancel an Apple App Store subscription.