You earn well.
You just don’t optimise well. Yet.
Most people at ₹5L+ a month are leaving ₹8,000–₹15,000 on the table every month — in cashback unclaimed, rewards expired, and interest paid on a card they didn’t need to use. Rivo fixes that quietly, in the background.
Building in Bengaluru, for India.
The why
You’re losing money every month without realising it.
Most of us have credit cards with cashback, rewards, and fee waivers we never use. Savings sitting idle when they could be earning more. Fees quietly deducted every month that we never questioned.
It’s not your fault. The system was designed to be confusing. Rivo was designed to cut through it.
What Rivo does
Built around how you actually use money.
Understand your finances, spend smarter at checkout, and see the full picture without the homework.
Your personal finance companion
Rivo connects to your accounts and builds a picture of your financial life spending patterns, card usage, savings gaps, upcoming charges. From that, it gives you recommendations that are actually about you, not a generic tip of the week.
Scan & pay with the right card
Every time you scan a QR to pay, Rivo tells you which card earns the most on that transaction cashback, reward points, waiver thresholds included. The best choice, shown before you tap. Not after.
Every transaction, one view
Cards, UPI, bank transfers, all your transactions in one clean feed, automatically categorised. No switching between four apps. No manually tagging anything. Just a clear read of where your money went.
The companion
The financial companion
that actually gets you.
Ask Rivo anything. Am I on track for my house goal? Why did I overspend in March? What’s the best card for Amazon? It answers with the context of your actual data. Your accounts, your cards, your patterns, your goals. And it reads how you’re feeling too, matching its tone to what you actually need right now. A straight answer, a reality check, or a push to keep going.
Ask the questions you’d never bother googling. The kind that need your context to answer properly. Rivo already has it.
Rivo · yesterday
Am I on track for my Goa trip fund?
₹42,000 of ₹60,000 saved. At your current pace you get there in December. That streaming subscription you haven't opened since March? Pause it and you're there by October.
Rivo · this month
₹8,400 on food delivery in 28 days.
That's 23% of your take-home. Your SIP is on track though, so at least your future self is eating better.
Rivo · today
All 3 cards cleared before due date. Again.
₹0 interest. ₹0 late fees. Credit utilisation at 14%. Three months in a row. That's not luck. That's a habit.
The journal