RICE/Financial
Personal. Shared. Business.

Your money.
Your household.
Your businesses.
One clear picture.

Track accounts, bills, subscriptions, and shared expenses while keeping personal and business finances separate.

Create your workspaceExplore the system

Early beta · Free core workspace · Manual-first today
No bank connection required.

Sample data · Not customer records.
Financial Position
August 14, 2026 · SampleIllustrative snapshot
Available money
$12,643.82
Everyday checking
$8,412.60
Reserve savings
$3,505.22
Cash on hand
$726.00

Restricted resources: $318.00 · separate from cash

Available personal credit
Capacity — not cash
$14,524.00
Obligations
$1,628.00
sample obligations · next 30 days
Phone $198Example Card B $84Vehicle $752Example Card A $142Example Card C $25Insurance $427
Sample activity · Personal
Personal inflow$386.42
Personal outflow$444.27
Net flow−$57.85

Personal

See available money and upcoming bills without treating credit as cash.

Shared

Coordinate household costs and records with explicit access permissions.

Business

Track projects and ventures in their own scopes, separate from Personal totals.

01Explore the system

A clear overview. The detail behind it.

Know what you have, what you owe, and what needs attention.

Read your position at a glance.

Cash, upcoming obligations and personal flow stay distinct. Business activity does not inflate your Personal totals.

Sample data · Not customer records.
Overview — in-app preview
OverviewTransactionsAccountsCreditDebtsObligations
ViewingPersonalBusiness activity is recorded but excluded from Personal Position totals.
Available money
$12,643.82
Bank balances + cash on hand
Available credit
$14,524
Capacity — not cash
Due in 30 days
$1,628.00
6 sample obligations
AttentionView all
  • Vehicle payment due in 4 days
  • Example Card B utilization above target
Sample activity — PersonalView all
Inflow$386.42
Outflow$444.27
Net flow−$57.85
Accounts & CapacityView all
  • Everyday checking
    Checking · primary
    $8,412.60
  • Reserve savings
    Savings · reserve
    $3,505.22
  • Cash on hand
    Wallet · safe
    $726.00
  • Example Card A
    18.5% utilization
    $6,518
  • Example Card B
    42.0% utilization
    $2,610
02People & records

Shared responsibilities. Clear boundaries.

Keep shared costs, supporting documents and access permissions together in one place.

Sample data · Not customer records.
Shared cost · illustrative example
Example household · Internet bill

August shared cost

$90.00
Alex · organizer
$45.00 share
Sam · participant
$45.00 share
Supporting record
Example invoice.pdf
Visibility
Explicitly authorized participants

Fictional workflow illustration. Access depends on the permissions set in the workspace.

Share intentionally

Financial permissions are separate from social connections. Review and revoke access in sharing settings.

Keep the supporting record

Keep receipts, statements and documents alongside your records.

Read about privacy and access
Available today

Useful now. Room to grow.

Accounts, bills, subscriptions, transactions, imports and shared records. On your phone or desktop.

Enter records or import a file. AI assistance is optional. You review what gets saved.

On the roadmap

Live bank connections and broader financial services are future work. Explore the direction and current priorities.

View the roadmapRead the vision
03Before you start

A few practical answers.

Who is it for, and what does it cost?

RICE Financial is an early beta for people managing personal, shared and business finances. The core workspace is free. Features and the roadmap will continue to evolve.

How do I get started?

Create an account, verify your email, then add an account balance and an upcoming bill. Add more structure and optional modules as you need them.

Do I have to use AI?

No. Manual entry is the default, and imports work without AI. If you want help interpreting a screenshot or pasted text, you can choose optional AI assistance in Imports. It sends that source and your context to Cloudflare Workers AI only after you consent. You review and confirm the proposed records before saving.

Can I export or delete everything?

Settings includes a JSON export of your owned financial records, identities, archive content and document metadata. Download original documents separately. Conversations and sharing permissions are excluded. Request account deletion through Settings > Data or help.rice.financial/contact. Support verifies ownership and confirms the outcome; deletion is not immediate.

Is this accounting software?

No. RICE Financial tracks position, flow, capacity and obligations. There is no chart of accounts, no double-entry ledger, and no required bookkeeping workflow.

Start with your next clear number.

Add a balance. Record a bill. Build from there. Follow the setup guide.
Early beta · Free core workspace.