Plan from what is coming next.

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

Free includes unlimited manual accounts, scheduled payments, 6 weeks of daily forecast, 1 linked institution for 30 days, 2 custom categories, 2 category rules, and 1 dashboard shortcut. Core raises that to 4 linked institutions, 10-week daily forecast with pattern overlays, account-level debt planning, 15 custom categories, 15 rules, and 3 shortcuts. Premium adds unlimited linked institutions, the full 14-week daily plus 52-week weekly and 12-month monthly forecast views, portfolio debt planning, statement AI extraction, 6-way transaction splits, and 8 shortcuts. See pricing for details.

Nevo categorizes transactions with a combination of rule-based matching (regex, keyword, and merchant patterns with priority weights) and machine learning. You can override anything: create custom categories with your own icons and color variants, or define rules that take priority over the defaults. The aim is to let you correct once and have the system stay correct.

Nevo takes your current balance and applies every scheduled payment forward, so the projection updates instantly when you add, edit, or remove a schedule - no waiting on bank syncs. On top of that, "Safe to spend today" gives you a floor-based amount anchored to your tightest cash day in the next 28 days, not the final balance. 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.

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 the budget is performing. The Budgets tab includes a month-end close flow that surfaces blockers - uncategorized items, needs-review transactions, splits, and over-budget groups - before you close the month.

Break-even is a calculation that estimates how much you need to pay on a credit card to keep its balance from growing. Nevo estimates variable spending by category from 4 months of transaction history, infers your APR using a 3-tier strategy (posted APR, calculated from interest charges, or category default), and computes a target payment with a safety cushion. The result is a concrete dollar amount, not a range.

Yes. Statement vault upload, view, and delete work on every plan. On Premium, Nevo also analyzes the PDF and extracts transactions automatically - you can create an entire new account from a single statement that way. Visual summaries with totals and category breakdowns are available once a statement is analyzed. Statement privacy, AI processing, and retention settings are configurable 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.

The app is fully localized in English, Spanish, Chinese, and Hebrew - with right-to-left layout for Hebrew. This isn't machine translation. Every string, every label, every notification is properly localized with context-aware translations. The marketing website currently ships in English, Spanish, and Chinese.

Take Control is how you shape the forecast to match how you actually live. You can mute any account so it stops feeding the dashboard projection, 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.

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.