Money that moves when you do.

No. Ruckwise is an independent app built for service members. It isn't affiliated with, endorsed by or operated by the Department of Defense or any branch.

Bank connections run through Plaid, which supports Navy Federal, USAA, PenFed and more than 12,000 other institutions. You can also add accounts by hand or import a CSV.

Everything is free during the beta. At launch the everyday budget stays free and the advanced tools (bank sync, Ask, the Service Toolkit, Debt Planner, Household and Vault) become Ruckwise Plus, planned at $5.99 a month or $49.99 a year with a free week to try. Beta members hear first and get a founding offer. See Membership.

Ruckwise will pull your score straight from a credit bureau with your permission, as a soft inquiry that never lowers your score, and refresh it for you. Nobody types a number in, so it's always the bureau's real score. Until it launches, the app already tracks how much of your card limits you're using, which is the second biggest factor in your score.

Use Sign in with Apple, Continue with Google, or your email. Two-step verification protects every sign-in. If you use Apple's Hide My Email, Ruckwise asks whether to connect it to the account you already have, so you never end up with two. You can add or remove sign-in methods anytime in Settings → Account.

You can rename and re-categorize anything, and Ruckwise offers to fix every similar transaction at once, then remembers your choice. Amounts, dates and accounts that come from your bank are locked, and bank charges can be hidden from budgets but never deleted, so your totals always match the bank's real numbers. If you log something by hand and the bank sends it later, Ruckwise matches them so nothing is counted twice.

Anytime, in two taps. Disconnect a whole bank from its page in the app, or unlink a single account and keep the rest. Ruckwise's access is removed at Plaid right away, and you choose whether to keep that bank's past transactions or erase them.

Yes. Ruckwise finds your subscriptions from your bank and card charges, totals what they cost a year, flags price increases, and takes you straight to each service's cancel page. App Store subscriptions open Apple's own subscription page. Tap "I canceled it" and Ruckwise warns you if they ever charge you again.

Connect brokerages and many crypto exchanges to see holdings, allocation and gains, read-only. The TSP doesn't allow budgeting apps to connect, so you update it from a tsp.gov screenshot in seconds, read on your iPhone, and Ruckwise estimates your contributions between updates.

Yes. Create a household and send a one-time code. Each of you picks exactly which accounts to share, and the other sees those balances and recent transactions read-only. Nothing is shared until you turn it on, and you can leave anytime.

Enter the rating for each condition and your dependents. Ruckwise combines them the way VA does: each rating applies to what's left after the higher ones, then the total rounds to the nearest 10. Monthly pay uses VA's published rates in effect since December 1, 2025. The same estimate shows what your rating unlocks, like a waived VA home loan funding fee, and feeds your ETS runway. It's an estimate: VA decides your actual rating.

Yes. It starts from your take-home pay (from your LES, or your average income) and splits it 50/30/20 between needs, wants, and savings and debt. If you carry a card balance or your emergency fund is thin, it moves more toward paying that down. Each category is sized from what you really spent the last three months. You review every number before saving.

Yes. Money answers come from Apple Intelligence running on your iPhone, so your numbers don't leave the phone. It can look up spending by store, category or month, check your budget, test "what if I paid $100 extra" on your debt, see whether a purchase fits, and remembers the conversation for follow-ups. It answers general questions too, and can look topics up on Wikipedia; only the search words are sent, never your financial details. On iPhones without Apple Intelligence, built-in answers cover the common questions.

Yes. Add a child with just a first name and set a weekly or monthly allowance that splits itself into Spend, Save and Give jars. Add chores with rewards, set savings goals (you can match what they save), and set a monthly spending limit. Your child can get their own simple kid screen on their phone with a one-time code: they see their jars, mark chores done and ask you for money, and you approve or deny. No banks, no settings, and nothing else is collected about them. Both parents in a household can manage the kids.

In the Vault. Scan PCS orders, travel vouchers, leases, insurance and receipts. It's encrypted on your iPhone and opens with Face ID. Receipts are read automatically and attached to the matching transaction, ready for your travel voucher. When you add an expense by hand, tap Scan Receipt and the amount, store and date fill in for you.

Never. No ads, no data brokers, no tracking tools, and your data isn't used to train AI. You can export or delete everything from the app. See our Privacy Policy.

No. Ruckwise gives you estimates and organizes your money. For big decisions, confirm with your LES, DFAS, or your installation's Personal Financial Counselor.