Plan from what is coming next.

Nevo is the assistant inside Nevo Money. It reads your real accounts and your real forecast, answers in plain language, runs what-ifs on your forecast, and can propose changes to your bills, your budgets, your categories, and your payment plans for you to approve. Ask in your own words, typed or spoken, and Nevo works from your actual numbers instead of a generic script.

No. Nevo cannot move money or pay anyone. Everything it changes lives inside Nevo Money, so paying a bill or moving funds still happens at your bank. It won't offer to move a payment it can tell someone else dates, like a card, loan or mortgage payment, an autopay, a subscription, rent, insurance, utilities or tax. When it does change a date in Nevo Money, it reminds you to move the payment with your bank or biller too. Every change it suggests arrives as a proposal with an Approve button, and most can be undone for five minutes after you approve.

The AI features are off by default, so Nevo cannot read anything until you turn on AI data sharing yourself. With it on, Nevo Money sends limited financial planning data to its AI providers, both to answer your questions and to power features like categorization, break-even and statement analysis. Voice dictation asks for its own permission before any recording is sent. You can turn AI data sharing off whenever you want, and Nevo Money stops sending data for AI processing. The Privacy Policy lists what is sent and to whom.

Read the AI Processing section of the Privacy Policy

No. On the Free plan Nevo can answer questions about your plan, and you can dictate them by voice. Core and Premium let it propose changes for you to approve, and read its answers aloud. Every plan has a message limit that resets once a day.

Nevo Money takes your current balance and applies every scheduled payment forward, so adding or deleting a schedule changes the projection right away, with no waiting on bank syncs. Free shows 6 weeks of daily projection. Core extends that to 10 weeks daily and adds pattern overlays. Premium unlocks 14 weeks daily plus 52-week weekly and 12-month monthly views. See pricing for the full table.

It's the amount you can spend now while keeping projected cash above $0 through the tightest day in your next 28 days. It is anchored to your worst-case day in that window, not the final balance, so it stays honest even if later income would otherwise lift the end-of-window cash.

Take Control is how you shape the forecast to match how you actually live. On Core and Premium you can mute an account so its spending patterns stop feeding the dashboard projection. On any plan you can mark individual charges as one-off so they no longer pull break-even math up, and restore any exclusion from one place ("Items kept out of break-even"). Saves take effect in seconds and the chart updates without a restart.

Set a monthly budget for each category or spending group, then see what you have spent and what is left as transactions come in. A health score shows how the month is going. When the month ends you can close it, and Nevo Money first shows you anything that still needs a decision. Cards, Landscape, Allocation, Runway and Blocks each show your month a different way, with what's already scheduled next to what you've spent.

Break-even is a calculation that estimates how much you need to pay on a credit card to keep its balance from growing. Nevo Money estimates your variable spending on the card by category from its transaction history, uses the APR your bank reports or works one out from your interest charges (or a typical rate when neither is available), and computes a target payment with a safety cushion. The result is a concrete dollar amount, not a range.

When a card or loan has no minimum payment from your bank yet, Nevo Money estimates one so your forecast is not left blank: a share of the balance with a $25 floor, never more than what you owe. When it has learned the rate your issuer uses for that account, it uses that instead of a default. Estimates refresh every 21 days.

Nevo Money uses Plaid, a trusted third-party service used by thousands of financial apps. Plaid connects securely without sharing your credentials with us. You can also add accounts manually. Statement-based account creation, where Nevo Money reads a PDF and extracts transactions, is a Premium feature; uploading a statement to your vault works on every plan.

Yes. We never store your banking login details. All data is encrypted both in transit and at rest using Firebase. The app supports biometric lock with Face ID and fingerprint, with a timeout you choose. Statement settings control thumbnails, unlock to view, and watermarking, plus statement AI on Premium, and your statements stay until you delete them. No ads in the app, and no data selling.

Free includes unlimited manual accounts, Scheduled Payments, Debt Overview, Break-Even Intelligence, summary PDF export, daily cash-flow forecasting up to 6 weeks, 2 custom categories, 1 dashboard shortcut, and 1 active linked bank for 30 days. Core raises that to 4 linked banks, 10-week daily forecasting, Debt Management for each card or loan, 15 custom categories, and 3 shortcuts. Premium adds unlimited linked banks, 14-week daily forecasts, weekly and monthly cash-flow views up to a year ahead, Statement AI account creation, transaction extraction, 8 shortcuts, and 6-way splits.

Yes. Statement vault upload, view, and delete work on every plan. On Premium, Nevo Money also analyzes the PDF and extracts transactions automatically, so you can create an entire new account from a single statement. Visual summaries with totals and category breakdowns are available once a statement is analyzed. Statement settings control thumbnails, unlock to view, and watermarking, plus statement AI on Premium, and your statements stay until you delete them.

Nevo Money categorizes transactions with built-in merchant and keyword rules plus machine learning. You can override any of it: recategorize a transaction, create custom categories with your own icons and color styles, or set a rule for a merchant, optionally with text the description contains, so future charges land where you want. The aim is to let you correct once and have it stay correct.

Nevo Money keeps merchant context recognizable with brand imagery and logos, and clearer transaction presentation for both spending and income. You can also choose a brand avatar style and override a brand's look for your account.

Deeply. Dashboard shortcuts open specific accounts, screens, and settings. Each account has its own scheduled payment layout (list or grid), projection preferences, and cash flow view mode. Category rules match by merchant, optionally with text the description contains. Notifications are configurable per channel and per type. Branding styles, statement settings, and security preferences are all individually tunable.

The app is available in English, Spanish (including Mexican Spanish) and Chinese. This website is in English, Spanish and Chinese: pick one with the flags at the top of the page.