A cheapskate in your pocket.

Snap a receipt or type “coffee 4.50”: everything gets sorted, converted, counted. And the Rat reacts to every expense in one line that stings.

Download on theApp Store GET IT ONGoogle Play

1-month trial with the annual plan, if eligible.

QR code to the app Scan with your phone
to install the Rat.

152currencies, rate locked
0bank connections
1photo for a whole receipt
iOS + Androidin French and English

Why the Rat

Budget apps are sad. He's not.

A coach that reacts to every expense

One line, not a report. He teases the purchase, never you. And you can ask him where you stand, like you'd ask a buddy.

Le Rat, arms crossed, looking like he knows it all

bank connections

No login to hand over, no aggregator, no sync that breaks. Your bank, your country: doesn't matter.

One photo, every line

Amount, merchant, category and every line of the receipt are suggested in one go. You confirm or fix.

A streak that keeps you at it

One entry a day and your streak climbs. Starter quests to build the habit from week one.

Bills post themselves

Rent, internet, gym: declare them once, and the expense is logged on the due date.

152

currencies, and every expense keeps its rate

Budget in dollars, coffees in baht: he converts when you log it and locks that day's rate. Your history stops moving.

Try it here

Type an expense. He answers.

Type what you just paid for, the way you'd tell a buddy. Amount, currency, category: he files it all and gives his take.

Simulated on this page, with pre-written replies and indicative rates. In the app, AI reads and replies.

Le Ratyour budget coach

online

Hey. Send me an expense and I'll tell you what I think.

In the app

All your money. Zero spreadsheets.

01 · THE RECEIPT

One photo. He reads every line.

Amount, merchant, category and receipt lines: everything is suggested, you confirm. No more crumpled receipts at the bottom of your bag.

Amount and merchant spotted
Every receipt line suggested
Category suggested, editable

Edit expense screen: a receipt expense in baht, with the receipt breakdown line by line

02 · THE COACH

Or just say it like you'd tell a buddy.

“4 coffees this week at Highlands, 220k”: that's an expense. The Rat logs it, converts it and replies. Ask him where you stand this month, too.

One sentence becomes a filed expense
A reaction to every expense
Receipt photo right in the conversation

Conversation with the Rat: a receipt photo, the expense logged and his reaction

03 · THE BUDGET

How much you can spend today.

Spent this cycle, what's left, budget per day. Your cycle starts when you decide, on payday for example.

What's left and today's budget recalculated with every expense
Comparison with the previous cycle
Breakdown by category

Budget screen: amount spent this cycle, what's left and the budget per day

04 · FIXED EXPENSES

Bills, posted on the due date.

Rent, internet, subscriptions: declare them once. When the day comes, the expense is logged and your budget takes it into account.

Monthly total of your fixed expenses
Next due date for each one
Income tracked separately

Bills screen: a list of fixed expenses with their next due dates and the monthly total

05 · THE ACCOUNTS

Your cushion, counted in months.

Bank, Wise, Revolut, cash: up to 20 accounts entered by hand, each in its own currency. The health of your savings is read in months of expenses covered.

Total of your accounts in your currency
6 months and more: healthy. Under 3: fragile.
No bank connection

Accounts screen: total of all accounts, savings health and months of expenses covered

06 · THE JOURNAL

Your whole month at a glance.

Cycle curve, breakdown by category, full history. And your data exports whenever you want.

Daily average and end-of-cycle projection
Filter by category
Export your data

Journal screen: the month's curve, breakdown by category and the day's expenses

Expats, nomads, travelers

Paid in dollars, living in baht?

Le Rat speaks 152 currencies. Your budget stays in yours, and every expense keeps that day's rate.

Two currencies, zero mental math

Budget in dollars, spending in baht: the conversion happens when you log it.

The rate is locked

What you paid stays what you paid: your history doesn't move when the exchange rate does.

Offline converter

The last known rate is kept, so it works even without a network, at the market or at the register.

BangkokDa NangBaliMontréalLisbonDubaiMexico CityTokyo

What changes

No more “where did my money go?”

End of the month: surprise.

You know every day how much you can spend.

Today's budget recalculates with every expense. No more guessing, no more opening your banking app with trembling hands.

The spreadsheet you dropped in February.

A photo or a sentence, and it's filed.

No cells, no formulas. You log the way you talk, he does the rest.

Savings by gut feeling.

Your cushion, counted in months.

Six months of expenses covered: healthy. Three to six: keep an eye on it. Under three: fragile.

Apps that lecture you.

A coach that makes you laugh, and come back.

He teases the expense, never you. The result: you log your spending instead of running from it.

Comparison

Why not an app linked to your bank?

They have their strengths. Here's where the Rat does it differently.

Criterion	Le Rat	App linked to your bank	Spreadsheet
Bank connection	None	Yes, usually through an aggregator	None
Banks and wallets	All of them, cash included	Whatever the aggregator supports	All of them, by hand
Logging an expense	A photo or a sentence	Automatic, as long as the sync holds	Cell by cell
Foreign-currency spending	152 currencies, rate locked per expense	Often built for a single currency	Formulas to write and maintain
Paper receipts	Lines suggested, you confirm	Rarely line-by-line detail	To retype
Someone reacts	Le Rat, on every expense	Charts and alerts	Nobody

A general comparison of approaches, not of any specific app. Each has its strengths.

The subscription

One subscription, everything included.

Coach, receipt reading, one-sentence entry, budget, accounts, bills, converter: it's all included. Even without a subscription, you can export your data and delete your account from the app.

MonthlyAnnual1-month trial with the annual plan, if eligible

The exact price for your country is shown in the app before any payment. Cancel from your Apple or Google Play account.

Your data

Your data stays yours.

No bank connection, no banking credentials requested
No ads, no advertising trackers
Your data is never sold
Export your data from the app
Immediate account deletion, from the app

Read the privacy policy (in French)

Questions

What people ask us.

Why no bank connection?

Because you shouldn't have to hand your banking credentials to a budget app. With no aggregator, nothing breaks when your bank changes something, and the Rat works with any account: online bank, neobank, travel card, cash.

In exchange, every expense goes through you. A photo or a sentence is enough, and that's often where you realize what you spend.

Does he really read my receipts?

Yes: amount, merchant, category and receipt lines are suggested from the photo. You check it and fix it if needed. Like any automatic reading, it can get things wrong: you always have the last word.

Does it work with my currency?

Le Rat knows 152 currencies. Your budget stays in your currency; you can spend in another, and each expense keeps the rate of the day it was logged. If you change your base currency, all your expenses are reconverted.

Is the coach a financial advisor?

No. The Rat is a fictional character whose replies are generated by AI. He comments on your spending with humor; it's neither financial advice nor investment advice.

How much does it cost?

Le Rat runs on a subscription, monthly or annual. 1-month trial with the annual plan, if eligible. The exact price for your country is shown in the app before any payment.

How do I cancel?

From your Apple account settings (Subscriptions) or from Google Play (Payments & subscriptions). To pay nothing at the end of the trial, cancel at least 24 hours before it ends. Details in the terms of use (in French).

What happens to my data?

It's used to make your budget work: no ads, no resale. Receipt photos and messages to the coach go through an AI provider to produce the reply; Le Rat doesn't use them to train a model. You can export it from the app and delete your account at any time; deletion is immediate. It's all explained in the privacy policy (in French).

Which phones does it run on?

iPhone (iOS 15.5 or later) and Android, through the App Store and Google Play. The app comes in French and English.

Go on, show him your receipts.

Install the Rat, snap your first receipt, and hear what he thinks.

Download on theApp Store GET IT ONGoogle Play

1-month trial with the annual plan, if eligible.