How did it feel?
From regret to delightful.One honest tap, no spreadsheets.
Your life portfolio
Build a life your money genuinely supports.
Rich & Joyful is not another budget app.Review a purchase in ten seconds, see its Joy Return, and quietly redirect money toward what actually makes your life richer.
Free on iPhonePro from $4.99/month
Thirty seconds, no sound needed.
The ritual
Ten seconds. Three questions.
No categories to maintain, no budgets to break.Just a short, honest pause that turns spending into self-knowledge.
Will it last?
A fleeting treat, or lasting value.You already know.
Which part of life did it feed?
Connect each purchase to your five Life Pillars.
Every Joy Return score from 0 to 100 shows exactly how it was built: feeling, longevity, and alignment.No black boxes, no guilt.
01Feature
Insights without judgment
Weekly summaries show your review coverage, spend-weighted Joy Return, and your strongest Life Pillar.Suggestions appear only when the evidence is real, never invented.
02Feature
Joy Funds
Create virtual funds for what matters: a trip, a sabbatical, a piano.Watch low-return spending quietly become fuel for them.Rich & Joyful tracks the amounts, and your money never moves.
03Feature
Before You Buy
A ten-second reflection before a meaningful purchase.Three honest answers instead of a fake prediction, so the decision stays yours, made with a clear head.
91Joy Return
The Joy Return score
A number you can actually see inside.
Every score is built from three things you told us.Nothing hidden, nothing predicted.Tap any score in the app to watch it come apart.
How it felt50%
Lasting value30%
Life-pillar alignment20%
Philosophy
We are not neutral about money.
Rich & Joyful is an argument, not a spreadsheet.Six positions hold the whole thing up.
- 01
Spending is not the problem.
Most money apps treat every purchase as a leak to be plugged.Some purchases are the whole reason you earn.
- 02
You already know the answer.
You do not need a model to tell you whether the trip was worth it.You need a moment to be asked.
- 03
A number that hides its working is a horoscope.
Every Joy Return breaks back into the three things you told us.Nothing predicted, nothing buried.
- 04
Guilt is a terrible accountant.
Shame makes people stop opening the app, and looking is the only part that helps.So we took the scolding out.
- 05
Redirect, do not restrict.
Cutting fails because it asks you to want less.Moving works because it asks you to want better.
- 06
Privacy is a precondition, not a feature.
Nobody is honest in front of an audience.Your data stays on your device because the truth needs a closed door.
A quieter kind of technology
Private by design
No bank logins.No analytics.No ads.Your data lives on your device.Export everything or delete everything, any time.
Simple pricing
Start free. Go deeper when you’re ready.
Free
$0
Forever, no card required
- Unlimited manual transactions
- Ten-second reviews
- 1 Joy Fund
- Weekly insight
- 30-day history
Pro
Most loved$4.99/month
or $39.99/year, two months free
- All five Life Pillars
- Unlimited history & Joy Funds
- Delayed reflections
- Monthly insights
- CSV import & exports
- Reallocation Board
Prices shown in USD; local prices set by the App Store.Subscriptions auto-renew until cancelled.See Terms.
Money is a tool. Joy is the point.
Begin with a single ten-second review.Free on iPhone, private forever.