Most apps show you
what happened.
RingBinder shows you what's coming — and what it's really costing you.
No bank connections. No open banking. A personal finance organiser that's genuinely forward-looking, built for the UK.
+£2,850
−£1,240
£1,610
Your Briefing · Monday 28 Apr
Rent — £950 due in 3 days
Fridays are your biggest spending day
+£2,850
−£950
⏱ 51h 21min
−£68
⏱ 3h 41min
What's different
Three things most finance apps don't do
A windshield, not a rearview mirror
Most apps show you what you spent last month. RingBinder surfaces what's coming — upcoming payment clusters, spending patterns by day of week, categories trending over budget. You see it before it happens.
Your bank statement, never stored
Upload a PDF and AI extracts every transaction in seconds. The file is read once, in memory, then immediately discarded. It never touches a database, never gets stored anywhere. That's a promise, not a policy.
Money reframed as time
Set your hourly rate once. Every expense in your transaction list shows the working hours it cost you. Behavioural economics research suggests time-framing expenditure changes spending decisions more effectively than abstract monetary figures alone.
Features
Everything your financial life needs
One place for your money, your documents, and your plans — without sharing a single bank credential.
Your Briefing
A daily snapshot of what's coming — upcoming payments, spending patterns, and what's changed. Forward-looking, not a rearview mirror.
Bank statement import
Upload a PDF statement and AI extracts every transaction automatically. Your file is never stored — processed in memory, then gone.
Time cost
See what every expense really costs — in working hours. A £85 dinner becomes 4h 35min. Changes how you think about spending.
Finance tracker
Log income and outgoings with pre-built UK categories. Running totals, month-over-month comparisons, and a health score updated automatically.
Document storage
Payslips, insurance docs, contracts — organised in named folders. Link any document directly to a transaction.
AI assistant
Ask anything about your finances. Powered by Claude. Knows your full financial picture and speaks plainly.
Spending insights
Category breakdowns, month-over-month trends, and 6-month charts. See where the money actually goes.
UK tools
Tax & NI calculator, ISA tracker, debt payoff planner, house purchase calculator, emergency fund — all built for the UK.
How it works
Up and running in under 5 minutes
Add your transactions
Log manually, use the quick-add bar, or upload a PDF bank statement and let AI extract everything automatically. No bank credentials needed.
Get organised
Store payslips and contracts in named folders, link documents to transactions, set your hourly rate to see time costs, and plan with UK-specific tools.
Stay ahead
Your daily Briefing surfaces what's coming before it arrives. See patterns in your behaviour, track your net worth, and ask the AI assistant anything.
FAQ
Common questions
Do you connect to my bank?
No. RingBinder is intentionally manual — you enter what you want, when you want. No open banking, no read-only bank feeds, no sharing your credentials. Your financial data stays yours.
What happens to my bank statement when I upload it?
Your PDF is sent directly to our AI, read once in memory to extract transactions, and then immediately discarded. It is never written to disk, never stored in a database, and never retained in any form. We built it this way on purpose — your statement is yours.
What happens after the 7-day trial?
You'll be asked if you'd like to subscribe to Pro at £12/month. If you don't, your account stays active on the free plan with no time limit. You won't be charged without explicitly agreeing.
Is my data secure?
Yes. All data is encrypted in transit (TLS) and at rest. We use Neon PostgreSQL hosted in the EU. We never sell your data or share it with third parties beyond what's needed to run the service.
Can I export my data?
Yes — download all your transactions, budgets, and account data as a JSON file at any time from the Settings page. If you leave, your data leaves with you.
Is it built for the UK?
Yes. Currency is GBP throughout. The tax calculator uses UK 2025/26 income tax and National Insurance rates. The ISA tracker covers the £20,000 annual allowance and LISA bonus. Date formats, terminology, and categories are all UK-appropriate.
What AI model does the assistant use?
The AI assistant and bank statement import are both powered by Claude (Anthropic). The assistant has read-only access to your financial data within RingBinder to give contextual answers. It cannot make any changes to your account.
Pricing
Simple, honest pricing
Start with a free 7-day Pro trial. No credit card required.
Free
No credit card. No expiry.
- Finance tracker (50 transactions / month)
- Monthly budget planner
- Health score & achievements
- Your Briefing (forward-looking insights)
- Data export at any time
Pro
Try free for 7 days, then £12/mo.
- Everything in Free
- Unlimited transactions
- Bank statement import (AI, privacy-first)
- Time cost — see expenses in working hours
- Document storage & transaction linking
- AI financial assistant (Claude)
- Spending insights & trends
- UK tax & NI calculator
- Net worth tracker
- ISA, debt, house & emergency fund tools
No credit card · Cancel any time
Ready to see what's coming?
Start your free 7-day Pro trial. No credit card, no commitment — just a clearer, more honest picture of your money.
Get started free7-day free trial · No credit card required