Dashboard when you need answers. Database when you need control. RICE FINANCIAL brings personal and business money, obligations, credit capacity, shared financial relationships and supporting documents into one private system, powerful enough for complex financial lives and readable in seconds.
Most financial software mixes them. Position is not flow. Capacity is not cash. Restricted resources are not income. Keeping them separate is what makes a number trustworthy.
What exists right now: cash, resources, and recorded balances at this moment.
What moved. Inflow and outflow, separated from transfers between accounts you own.
What is usable but not owned. Available credit is borrowing capacity, never cash.
What is due next, in order, with amount, date, and whether it needs action.
What is already reserved. Benefits are restricted resources, not ordinary income.
Position first, then what needs attention, then flow, capacity, obligations and activity. In that order, every time.
Views, filters, groups, multi-sort, column control, bulk actions and inline editing. Sheets-fast to operate, Notion-flexible to shape.
| Date | Description | Amount | Flow | Scope | Category | Account | Status |
|---|---|---|---|---|---|---|---|
| Aug 14 | Tesla Supercharger | −$28.41 | Outflow | Personal | Charging | Apple Card | Posted |
| Aug 13 | RICE MOTORS | $800.00 | Inflow | RICE MOTORS | Rental | RM Checking | Posted |
| Aug 13 | Publix | −$124.16 | Outflow | Personal | Grocery | Amex | Posted |
| Aug 12 | RICE LABS Deposit | $1,500.00 | Inflow | RICE LABS | Client Payment | RL Checking | Posted |
| Aug 12 | Transfer to Savings | −$400.00 | Transfer | Personal | Allocation | Ally Savings | Posted |
| Aug 11 | Uber earnings | $386.42 | Inflow | Personal | Earnings | Chase Checking | Posted |
| Aug 11 | PERSONAL INTEREST production | −$2,840.00 | Outflow | PERSONAL INTEREST | Production | PI Checking | Pending |
| Aug 10 | Shell | −$61.20 | Outflow | Personal | Fuel | Apple Card | Posted |
| Aug 10 | RICE TRADES payout | $3,120.00 | Inflow | RICE TRADES | Contract | RT Checking | Posted |
| Aug 09 | WIC — produce | −$32.50 | Outflow | Personal | Benefits | WIC | Posted |
| Aug 09 | LIFTED GALLERY print run | −$486.00 | Outflow | LIFTED GALLERY | Inventory | LG Checking | Posted |
| Aug 08 | Phone — T-Mobile | −$198.00 | Outflow | Personal | Utilities | Chase Checking | Scheduled |
Utilization, minimums, statement balances and due dates read like instrumentation: precise, monochrome, with no alarm colors unless something truly needs action.
| Line | Balance | Limit | Available | Util | Minimum | Due | APR |
|---|---|---|---|---|---|---|---|
| American Express | $1,482 | $8,000 | $6,518 | 18.5% | $84 | Aug 21 | 28.24% |
| Capital One | $1,890 | $4,500 | $2,610 | 42.0% | $62 | Aug 16 | 26.99% |
| Apple Card | $604 | $6,000 | $5,396 | 10.1% | $25 | Aug 28 | 21.24% |
Cash is spendable. Restricted resources are reserved to a purpose. Credit capacity sits in its own register above and is never added to either.
Investments · laterThree movements, always in the same order. Nothing in the interface exists outside of one of them.
Amount first, scope explicit, seconds per entry. Balances, obligations and flow all enter the same way.
Position, attention, flow, capacity, obligations. Read top to bottom and you already know where you stand.
Pay what is due, move what should be reserved, and correct what drifted. Then the position is true again.
One shortcut, amount first, scope explicit. The system stays accurate because recording something costs almost nothing.
Personal entries affect your position. Business scopes stay tracked and searchable, out of Personal totals.
On mobile the system does two things exceptionally well: state your position immediately, and let you record something before the moment passes.
Overview — position on arrival
Recorded as −$48.62 · Personal outflow
Quick Add — capture in under five seconds
RICE FINANCIAL starts with one source of truth for financial life instead of another narrow finance app. The same underlying financial graph is designed to expand over time into AI, live financial connections, storage, tax and bookkeeping workflows, payments, banking, investing and other regulated products without forcing tomorrow's complexity into today's core experience.
No. RICE FINANCIAL tracks position, flow, capacity and obligations. There is no chart of accounts, no double-entry ledger, and no required bookkeeping workflow.
They can be recorded and searched under their own scope, but they are excluded from Personal position and flow totals by default.
No. Available credit is capacity. It is presented next to cash, never added into it.
Not in this phase. The system is manual-first today, with optional live financial connections on the roadmap.
No. Financial workspaces are private by default. Sharing is explicit and permission-based, and optional public profile metrics require the user to choose what to publish.
Yes. RICE FINANCIAL is modular by design, and the public roadmap tracks both shipped capabilities and planned expansion.