About Ruki

Investing is hard. Tracking your returns shouldn't be. Ruki was created by an investor to automate her own portfolio.

Ruki is a niche app: it understands CEDEARs, corporate bonds, mutual funds and cauciones, things that international tools leave out. And it never stops changing, often from talking with the people who use it: someone writes in about a case that wasn't covered, it gets fixed, and a few days later it's in the app.

It started as an Excel spreadsheet

Before Ruki existed I kept my investments in an Excel spreadsheet I built up over six years: formulas, tabs, exchange rates entered by hand and prices pulled from different APIs. And yes, they broke all the time.

It worked, but it took me quite a bit of time to maintain, and as much as I enjoyed doing it, it ate into the time I wanted to spend on investing. So I migrated that spreadsheet to an app and automated what I'd been doing by hand, error handling included.

Ruki was born out of that need of my own: a tool focused on what really matters, which is how much what you buy returns. It launched on the App Store and Google Play on May 6, 2026.

Your broker only sees what happened at your broker

If you trade at two or three, or buy the same company as a stock in the United States and as a CEDEAR in Argentina, no dashboard is going to add that up for you.

Ruki isn't tied to any of them. You assign its broker to each transaction and see a single portfolio. There are three things your broker isn't giving you:

• your complete portfolio, no matter how many places you trade at;
• your entire history, even if your broker drops what you sold after a year;
• the return on each purchase, not just the ticker's average.

Tools from abroad don't understand what you buy here

The next question is why not use one of the international tools that already exist. The main problem is that Argentina isn't on the map: they're built on the US and European markets, and Argentine instruments aren't in their catalogs.

In practice that means they won't pull the price of a CEDEAR, or of a LECAP or a corporate bond, or the NAV per share of an Argentine mutual fund. And the CEDEAR adds its own twist: its ratio —how many certificates equal one share— is set by BYMA, which changes it every so often. If that change isn't recorded, your holdings fall apart without anything warning you.

There's one more, and it's the one that distorts the result the most: converting the portfolio to dollars depends entirely on you setting it up right, instrument by instrument. A peso bond isn't converted at the same dollar rate as an Argentine stock, and a tool designed for other markets doesn't account for that difference.

Here each asset has its own path to the dollar, and it's explained in what assets you can add.

The calculation, at every level

So far I haven't found another solution that shows you the return on your investments calculated correctly and completely at every level at once:

• your historical portfolio, yes, with what you already sold included;
• your current portfolio;
• your sold portfolio;
• each ticker;
• each individual purchase you made;
• the goals you set up however you like.

That includes what wrecks the math in a spreadsheet and gets resolved on its own here: the dividends you received, the splits that retroactively adjust your quantities, and each CEDEAR's ratio, which you can look up in the CEDEAR ratio table.

Everything valued in hard currency

In dollars or in euros. Measuring in pesos distorts the picture, because a result that looks huge can be a loss as soon as you look at what happened to the currency in between. In dollars, comparing a purchase from three years ago with one from three months ago makes sense.

What Ruki doesn't do, on purpose

Most apps throw fifty charts at you, breaking news and data on assets you don't even own. For Ruki, that's noise and information overload that go against its foundations.

Ruki has no price charts, no news, and shows you nothing you didn't add yourself. It also doesn't trade for you, doesn't connect to your broker, and doesn't tell you what to buy or when to sell.

It's designed to be simple and to keep you organized, but what holds it up never moves: calculating correctly how much your money returned. That's the difference.

Who it's for

For those who already invest and are picky about the numbers. If you want to know how you did on each purchase and the asset's average isn't enough for you, Ruki is made for you.

And for those just starting out: you don't need to be an expert. You can import the file you download from your broker and add all your transactions at once, or forward Ruki the email your broker sends to confirm each transaction, and they get added on their own. You start out seeing your portfolio without having entered anything by hand.

Who's behind it

Ruki is independent: it has no investors. For now I build it on my own.

I studied actuarial science and work on actuarial models.

How it's funded

Through Premium subscriptions: USD 1.99 per month, USD 4.99 per quarter or USD 14.99 per year. The free plan doesn't expire.

There are no ads inside the app, and that's not a concession: nothing should get between you and the product. Your data isn't sold or shared either.

Where it works

On iPhone, on Android and on the web, with the same account and the same data in sync.

Each purchase is recorded in the currency you made it in —pesos, dollars or euros— with its exchange rate. The portfolio is valued in dollars in the Argentina / USA region and in euros in the Europe region.

A clarification that matters

Ruki is a record-keeping and tracking app. It doesn't buy, doesn't sell, doesn't hold your money in custody and doesn't give recommendations or financial advice. You trade where you already trade; here you understand how you did.