Other apps show you the past. Nevo shows you the future.

Nevo uses Plaid, a trusted third-party service used by thousands of financial apps. Plaid connects to your bank securely without sharing your credentials with us. But Plaid isn't the only option: you can also add accounts manually or upload a PDF statement and let AI create the account for you. Three ways in, one unified dashboard.

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 configurable timeout. You control statement privacy, AI processing, delivery, and retention settings individually. No ads, no data selling, no tracking.

The Free plan includes unlimited manual accounts, scheduled payments, cash-flow projection up to 6 weeks, debt tracking, and one dashboard shortcut. You can connect up to two bank institutions via Plaid. Core and Premium plans unlock up to 1-year forecasting (14 weeks daily, 52 weeks weekly, 12 months monthly), budgets, break-even intelligence, more shortcuts, and higher limits.

97.3% accuracy. Nevo uses a combination of rule-based matching (regex, keyword, and merchant patterns with priority weights) and machine learning categorization. You can also create custom categories with your own icons and color variants, and define rules that override the defaults.

Nevo takes your current balance and applies every scheduled payment forward. On the daily view you see 14 weeks (98 days). Switch to weekly for a full 52-week projection. Switch to monthly for 12 months ahead. The projection updates instantly when you add, edit, or remove a schedule. It doesn't wait for bank syncs. Pattern overlays reveal spending trends across all views.

For credit cards and loans, Nevo learns your minimum payment from 4 months of historical data. It uses a 3-part calculation (base rate times balance, $25 floor, outstanding cap) with confidence levels. Estimates refresh every 21 days. This means your projections are accurate even before your bank posts the next statement.

Set spending targets by category, then track progress in real time. Nevo calculates your daily safe-spend amount and predicts your blowout date if current spending continues. A 4-dimension health score (utilization, pacing, volatility, and streaks) gives you a single number for how your budget is performing. AI insights flag overpacing, spend spikes, and repeat merchants.

Break-even intelligence estimates your variable spending by category using 4 months of transaction history. It infers your APR using a 3-tier strategy (posted APR, calculated from interest charges, or category default), then computes a target payment amount with a safety cushion. It tells you exactly how much to pay to stop your balance from growing.

Yes. Upload a PDF credit card statement and AI extracts every transaction automatically. You can even create an entire new account from a single PDF. Visual summaries with donut charts show spending by category and merchant. Statement intelligence supports privacy, AI processing, and retention settings per account.

Nevo keeps merchant context recognizable with storefront photography, brand detail, and clearer transaction presentation for both spending and income. You can also customize brand avatar style and override brands per user.

Deeply. Dashboard shortcuts deep-link to 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 use regex matching with priority weights. Notifications are configurable per channel and per type. Branding styles, statement settings, and security preferences are all individually tunable. Most settings are per-account, not global.

English, Spanish, and Chinese - fully localized across the entire app and website. This isn't machine translation. Every string, every label, every notification is properly localized with context-aware translations.