ReckatoReckato

Private · Offline · Built from official figures

Find the money you’re owed. Keep more of what you earn.

Reckato checks your household for the benefits and tax credits you may be missing, works out your real take-home pay — including the local tax everyone else leaves out — and tells you the rules where you live. Every figure from the agency that publishes it. Nothing you enter leaves your phone.

Download on theApp Store GET IT ONGoogle Play

Rolling out now — launching on the App Store and Google Play.

119 tools in the US 14 countries No account, no ads, no trackers
Reckato home screen showing monthly take-home pay and the money-you-may-be-owed check above the keypad
Every figure from the agency that publishes it
  • IRS
  • HHS
  • USDA
  • DOL
  • SSA
  • Census
  • BLS
  • CFPB
  • Treasury
  • HUD
  • CRA
  • Statistics Canada
  • HMRC
  • ONS
  • ATO
  • ABS
  • Income Tax Dept. (India)
  • RBI
  • IRD (NZ)
  • Revenue (IE)
  • BIR
  • IRAS
  • SARS
  • KRA
  • GRA
  • DJP

Each source is named and dated inside the app under Settings → Sources, with a link to the original, and refreshed when the agency republishes. Reckato is independent and not affiliated with any government.

What it does

Built around the questions people actually have about money.

Not a spreadsheet, not a budgeting app that wants your bank login. Tools that answer one question each, from the figures the government publishes.

The benefits finder showing what a household may be owed, with each programme and its official page

Money you may be owed

Benefits finder: what your household may be missing.

Answer a few questions about your household and the app screens the federal and state programmes you may qualify for — tax credits, food, health cover and bill help. Every finding shows the rule with your own numbers in it, what it is worth, and the official page to claim it. Canada, India and Ireland have their own finders.

Benefits finderPRORaise or cliff?PROUnemployment benefitDo I qualify for housing help?PROMedical bill helpDependent tax creditsPRO
Salary and take-home pay split per paycheque

Take-home pay and local tax

What you actually take home — including the tax everyone else leaves out.

Federal, FICA and all fifty states, per paycheque. Then the part most calculators skip: the city, county and school-district tax where you live and where you work, and the credit your home town owes you back. Enter what your payslip says and the payslip check tells you if your employer is withholding correctly.

Salary & take-homePROLocal taxPROTaxes where you livePROPayslip checkPROWhat a raise really keepsRefund forecastPROFreelance & 1099 taxPRO
The rules-where-you-are screen showing a state minimum wage and its source

The rules where you are

Minimum wage, last paycheque, your deposit — for your state, with the source.

The minimum wage in your actual city. When your final pay must arrive after you quit. How long a landlord has to return your deposit. What your state taxes in retirement. This year’s Medicare, 401(k), IRA and HSA limits. Every answer names the table it came from.

Rules where you areMinimum-wage paycheckPROOvertime calculatorPROWage garnishment limitPROJob-protected leave (FMLA)PROWhen to sign up for MedicarePRO
The For-you screen: the money dates coming up, your next move, and prices where you live

Money calendar and reminders

What’s coming up, and a plan when life changes.

The days off and the big money dates ahead for your country, soonest first, with a countdown — and on-device reminders for the deadlines that cost money if missed, such as estimated-tax instalments. When life changes, a step-by-step plan opens the right tool for each step and links the official office. Reminders are local notifications on your phone; nothing is sent anywhere.

What's coming upI just lost my jobPROWe’re having a babyI’m moving to another statePROI’m going freelancePROA serious illness or injuryPROI’m separating or divorcingI’ve lost my spousePRO
The editable calculator keypad with the tape of past results

The calculator

A calculator that lets you fix the sum you already typed.

Tap any number or sign in the expression to change it, instead of starting over. Every result is kept on a tape. Save a formula you use often. Scientific mode, unit and currency conversion, percentages, dates, tips and splits are a tap away.

CalculatorScientificFormulasUnit converterCurrencyPercentage
The tool menu listing the tools grouped by situation

The toolkit

119 tools in the United States. One tap from the keypad.

Money, tax, benefits, housing, retirement, health, dates and converters, grouped by the moment you are in — a new job, a move, a baby, retirement. Pick your country once and the money tools follow: 14 countries, 377 tools in all, every figure from an official source.

Browse every tool

14countries with their own tax, pay and benefit tools
119tools in the United States
377tools across every country
342country-specific tools, each from that country’s own sources
0trackers, accounts, ads or data collected

Countries

Pick your country once. The money tools follow.

Tax, take-home, benefits, pensions and prices from each country’s own revenue authority and statistics office. The calculator, converters, dates and health tools work everywhere.

🇺🇸
United States119 tools
🇨🇦
Canada106 tools
🇬🇧
United Kingdom77 tools
🇮🇳
India111 tools
🇦🇺
Australia67 tools
🇳🇿
New Zealand40 tools
🇮🇪
Ireland38 tools
🇵🇭
Philippines39 tools
🇸🇬
Singapore40 tools
🇿🇦
South Africa40 tools
🇰🇪
Kenya40 tools
🇬🇭
Ghana39 tools
🇮🇩
Indonesia39 tools
🇳🇬
Nigeria37 tools

What works in each country

Tools

Grouped by the moment you are in.

119 tools in the United States, organised by life situation. Here are the biggest groups; the full catalogue lists every tool in every country.

New job or a raise25 tools

Your pay, an offer, and the tax on it.

Salary & take-homePROCompare offersPROPayslip checkPROWhat a raise really keepsTaxes where you livePROLocal taxPRO+19 more

Planning retirement20 tools

Make future-you's money last.

Will my money last?PROSocial SecurityPROSavings & interestOn track to retire?PROWhere to keep your moneyPRONet worthPRO+14 more

A home14 tools

The biggest number you'll run.

Mortgage (full cost)PROCan I afford to live here?PROIs my rent fair?Home prices where you arePROCar (true cost)PROCost of livingPRO+8 more

I'm moving12 tools

New home. New costs. New questions.

Cost of livingPROTaxes where you livePRORent or buy?PROCan I afford to live here?PROUnit converterLocal taxPRO+6 more

I work for myself8 tools

Working for yourself, and its tax.

Freelance & 1099 taxPROI’m going freelancePROSales tax & VATPre-tax benefits: what a Section 125 plan savesPROR&D tax credit estimatePROPaper paychecks: what they cost youPRO+2 more

Getting married8 tools

Two lives, one set of money.

Taxes where you livePROSalary & take-homePROCost of livingPROCan I afford to live here?PROPayslip checkPRORefund forecastPRO+2 more

See all 119 US tools and every country’s

Nothing about you ever leaves your phone.

Reckato has no account, no analytics, no advertising and no crash reporting. What you earn, who is in your household, what you typed — all of it stays in the app on your device, and deleting the app deletes all of it.

The app works offline. A few optional live cards — exchange rates, your country’s stock index, the central-bank rate, and weather for a ZIP or postcode you choose to add — fetch public data only when you turn them on, and nothing about you is sent. That is not a setting; it is how the app is built. Read the full privacy policy.

  • No account or sign-up
  • No analytics or crash reporting
  • No advertising, no trackers
  • No data collected — the store questionnaires say so
  • Works with no signal
  • Optional live cards fetch public government data only when you turn them on
  • Reminders are local notifications on your phone
  • Purchases handled by Apple or Google; Reckato never sees your card

Pricing

Free to download. Pro for the deeper tools.

Most tools are free. An optional Reckato Pro unlocks the advanced set and includes each year’s refreshed tables and rules.

Free

32 of the 119 US tools, no account needed

  • The editable calculator, scientific mode and saved formulas
  • Unit and currency converters, dates, percentages, tips and splits
  • What’s coming up, loan, savings, debt payoff and health tools
  • The rules where you are, unemployment benefit, medical bill help and more
  • In India, every tool in the country pack is free

Reckato Pro

Unlocks the remaining 87 US tools and every country pack’s advanced tools

$2.49a month
$14.99a year
$59.99once, lifetime
  • Benefits finder, salary and freelance tax, local tax, payslip check
  • Full-cost mortgage, offer comparison, retirement and housing tools
  • The yearly refresh of tax, benefit and programme tables as each is republished
  • Extra themes

Subscriptions start with a 3-day free trial and renew until cancelled from your store account. Prices in USD; they may vary by store and country. Sold only through the App Store and Google Play.

Get Reckato on your phone

Free to download. 119 private, offline money tools in the US and packs for 13 more countries — no account, nothing uploaded.

Download on theApp Store GET IT ONGoogle Play

Rolling out now — launching on the App Store and Google Play.