Every feature built for clarity

A cash-flow system built around the moments that move your balance: forecast ahead, manage Scheduled Payments with real amount rules, turn debt timing into a real plan, recognize merchants instantly, and, on Premium, turn PDF statements into usable accounts.

Upcoming Flow: bills and paychecks on their dates, with the end cash for each day.
The Nevo Money Cash Flow Projection screen, with the projected balance line and today marked.
A card in Nevo Money: how its break-even payment is worked out, with the interest estimate and the target amount.
Nevo Your AI money assistant

The Nevo assistant

Ask. Nevo does the work.

Nevo is your AI money assistant, built into Nevo Money. Ask a question and Nevo pulls up the real numbers. On Core and Premium it also shows you a change before it happens, and waits for your approval. Nothing moves without your yes.

  • It reads your real numbers

    Nevo answers from your accounts, connected or added by hand, and from the forecast Nevo Money already builds for you, not from a generic script.

  • It answers in plain language

    Ask the way you would ask a person, typed or spoken. "What can I safely spend this week?" "Can I afford $400 on Friday?" You get a straight answer, with the numbers behind it.

  • Every change is a proposal

    Anything that would change your plan comes back with an Approve button. Most changes can be undone for five minutes after you approve. An answer to a payment match is final.

Nothing moves without your yes.

Inside the chat

What Nevo can do.

Nevo answers on its own. Anything that changes your plan comes back as a proposal you approve first.

Answers straight away

Ask about anything on your plan

  • Your cash-flow forecast, your low point, and what is safe to spend
  • What-ifs: try a purchase or a payment on a date and see your new low point
  • Balances across your connected and manual accounts
  • Transactions from any period of up to a year, with totals
  • Bills, subscriptions, and income, with how often they repeat and the next date
  • Budgets: what you set, what you have spent, and what is left
  • Cards and loans, with balance, minimum, and the active plan
  • Subscription price changes it has spotted
  • Payments waiting for you to confirm a match
Proposes, you approve

Ask it to change something

  • Freeze a bill, bring it back, or cancel a series
  • Rename a payment, or correct its amount
  • Change how often a bill repeats, or move its next date, for payments you control
  • Add a bill, a paycheck, or a one-time payment the app has not spotted yet
  • Turn a transaction that keeps repeating into a scheduled payment
  • Snooze a detected pattern, or add it to your forecast
  • Change the budget for a category already in your plan, or for a spending group
  • Move money from one budget line to another
  • Recategorize one purchase, or set an always rule for a merchant
  • Rename or restyle one of your custom categories
  • Schedule a card or loan's minimum payment, a card's break-even payment, or your own monthly amount
  • Keep a one-off charge out of your budget or your forecast
  • Answer a price-change alert, or confirm a payment match (that answer is final)
  • Nickname an account, set your default cash account, or keep a savings account out of your forecast

And the things it will not do.

  • It cannot move your money. Nevo changes your plan inside Nevo Money. Paying a bill or moving funds still happens at your bank.
  • It never acts on its own. Every change arrives as a proposal with an Approve button. Most can be undone for five minutes after you approve. An answer to a payment match is final.
  • There are daily limits. Every plan has a message allowance that resets once a day.
  • Free answers, paid plans act. On the Free plan Nevo can answer questions on your plan. Core and Premium let it make changes for you.
  • You turn it on. Nevo needs AI data sharing switched on and at least one account, connected or added by hand, before it can read anything.
  • Some dates it will not touch. Nevo won't offer to move a payment it can tell someone else dates: a card, loan or mortgage payment, an autopay or subscription, or 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.

What Nevo needs, and what your plan includes.

What turns it on

Switch on AI data sharing in Nevo Money and have at least one account, connected or added by hand. Until both are true, Nevo has nothing to read.

What each plan includes

On the Free plan Nevo answers questions about your plan. Core and Premium let it make changes for you, still one Approve at a time.

Talk to it, or hear it

Dictate your questions on any plan; voice has its own AI data sharing permission. Core and Premium can read answers aloud. Message limits apply on every plan and reset once a day.

Nevo works inside Nevo Money only and never moves money at your bank. It can recategorize a transaction or keep one out of your budget or forecast, always with your approval.

Your Money Today

Your money, every morning

Your Money Today shows what landed, what is coming, and how much is safe to spend, before the day gets away from you.

Sample data. Not a real account, and not a promise of results.

Money came in

The deposits that landed since you last looked, named and counted.

What's due

Due today, past due, and the next few days, so nothing arrives as a surprise.

Cash outlook

Safe to spend today, the projected balance line, and the leanest day ahead.

Budget pulse

Spent, left, or over, group by group, so you can see which budgets are drifting while there is still time to steer.

Expected income

A payday on the way, shown as expected. It has not arrived yet, so it is not counted as money you can spend.

Once a day, then gone

One brief a day, then it steps aside. Read it and get on with your morning.

Your Money Today appears in the app, once a day, from 7am, the first time you open Nevo Money that day.

Accounts

Every account, one view.

Three ways to add accounts: connect with Plaid, add one by hand, or, on Premium, create one from a statement. Credit cards open to a control screen showing live balance, credit usage, projected vs. bank balance, pending charges raising debt, and scheduled payments lined up below.

  • Account cards carry their bank's colors when we can match the bank, so you know which is which at a glance.
  • Plaid, manual entry, or, on Premium, an account created from a statement.
  • Unified views for checking, savings, credit cards, loans, and mortgages.
  • Pending charges count toward what the card owes as soon as your bank reports them.
All Accounts: each account card in its bank's colors, with its balance and what's scheduled.

Cash Flow Forecast

See up to a year ahead.

Forecasting in Nevo Money is driven by the schedules and balances that are about to move your money, not a backward-looking chart. The daily view covers 6 weeks on Free and 10 on Core. Premium stretches it to 14 weeks and adds weekly views through 52 weeks and monthly views through 12 months, with a "Safe to spend today" amount that respects your tightest cash day on every plan.

  • Daily view up to 14 weeks, plus weekly views for 52 weeks and monthly views for 12 months, on Premium.
  • "Safe to spend today" stays anchored to the tightest day in your 28-day window.
  • Spot low-balance days weeks or months before they arrive.

Take Control

Your projection. Your call.

Forecasts only work if they match how you actually live. On Core and Premium, Take Control lets you mute an account's spending patterns from the dashboard projection, and on every plan you can exclude charges that won't repeat and restore any exclusion from one place. Saves take effect in seconds and the chart updates without a restart.

  • On Core and Premium, mute an account's spending patterns from the dashboard projection and account-level forecasts.
  • "Mark as one-off" on any transaction stops it from shaping break-even math.
  • Items Kept Out of Break-Even lists every exclusion with a one-tap restore.
  • Decision saves update the projection chart in seconds, no restart required.
The Cash Flow Projection chart, with today marked.
Core differentiator

Scheduled Payments

The engine that drives the timeline.

Nevo Money uses Scheduled Payments as the source of truth for cash-flow forecasting, spendable balance clarity, debt timing, and schedule-aware alerts. Move a payment and the rest of the system updates with it.

  • Amount rules for fixed, minimum, statement balance, full balance, custom, and break-even payments.
  • Posted bank transactions are matched to your schedules automatically, or you are asked to confirm when it is not clear.
  • 7 lifecycle states track every payment from scheduled through cleared, expired, or missed.
  • Full provenance: every payment traces back to its source - Plaid, liability, or manual.
Scheduled Payments: this month's bills and income, each matched to the bank transaction that cleared it.

From reminder list to payment engine

Reminder-only setup
  • A single amount field.
  • Manual matching after the bank transaction posts.
  • Basic states like upcoming, paid, and missed.
  • Limited source context.
  • Separate from cash flow and debt forecasting.
Nevo Money
  • Amount rules that express intent: “pay the minimum”, “pay to break even”, “pay the full statement”.
  • Tiered auto-reconciliation with a match review workflow for ambiguous cases.
  • 7 states, plus a freeze that takes a payment out of the forecast until you bring it back.
  • Full provenance: Plaid recurring stream, liability schedule, or manual - always traceable.
  • Drives projections, break-even, debt management, budgets, and notifications. All of them.

Budgets

Know where the month is going.

The Budgets overview shows your monthly plan, the forecast for where you will end the month, and category-by-category progress in one place. Tap any category to see what is driving spend.

  • Cards, Landscape, Allocation, Runway and Blocks each show your month a different way, with what's already scheduled next to what you've spent.
  • Monthly budget total and live forecast for the month.
  • Category progress with clear over/under indicators.
  • Merchant context inside every category drill-down.

Allocation

The outer ring is your plan. The inner ring shows Now, Committed or Projected. Slide your finger around a ring to step through your budgets.

  • The Cards view: one card per budget, each with a ring for what's spent and what's still scheduled.

    Cards

    One budget per card. Each card's ring shows what you've spent, and the lighter part is still scheduled.

  • The Runway view: one bar per budget, with spent, still scheduled and the month-end estimate.

    Runway

    Which budgets could run out. Each bar is one budget: solid is spent, lighter is still scheduled, and the marker is where the month is headed.

  • The Blocks view: each budget as a grid of blocks filling up.

    Blocks

    Your budget, block by block. Solid blocks are spent, lighter ones are still scheduled.

  • The Landscape view: tiles sized by budget.

    Landscape

    Bigger budgets, bigger tiles. Each tile's bottom edge shows spent, still scheduled and the month-end estimate.

Budgets

Needs attention

Everything in your month that needs a decision now sits in one list, where you can answer each one, see how your total budget changes and apply what you choose, with Undo if you change your mind. Only bills already on your schedule start pre-selected, and spending you'd rather not budget can be tracked instead: it still counts, and we'll only ask again if it runs well above usual.

The Needs attention list, with your month's budget decisions.
Core feature

Debt Management

Guided debt planning, not generic debt math.

Nevo Money estimates what you usually spend, adds the interest your APR will charge, and works out the payment that actually stops the balance growing. Then it tracks whether the payment you have scheduled clears that bar.

  • Core unlocks Debt Management for each card or loan. Premium expands to portfolio strategy.
  • Know at a glance whether a plan is live, what it asks for, and when it is due.
  • Mark a one-off charge and the math updates immediately, so a bad month does not set your plan.
Debt Management's plan for a card: the plan summary and the payoff forecast chart with the minimum payment, break-even and Nevo's plan.

An example from the sample account in the clip: Nevo Money estimated variable spending of $777.68 a month across 2 categories, added projected interest of $162.76 on top of the scheduled charges, and set a target payment of $2,007. Scheduled payments of $135 fell $1,872 short. Mark any charge as one-off and the math updates right away, and every exclusion can be restored from one place.

Break-Even Math powering the active plan

Statement Summaries

Turn a statement into clarity.

On Premium, upload a credit card statement, extract its transactions, and start from a usable account instead of re-entering everything. Statement Intelligence keeps the workflow tied to real balances, categories, merchants, and exports. Storing statements in your vault works on every plan.

  • Totals, categories, and transaction summary in one view.
  • Easy export when you need to send or save the summary.
  • Summaries you can read in light or dark mode.
Recognition at a glance

Merchant Detail

Remember the meal, not the memo line.

Merchant Intelligence keeps transactions recognizable with brand imagery and logos, and consistent context for both spending and income.

  • Brand logos and merchant context for the merchants we recognize.
  • Category, budget, posted date, and location in one view.
  • Branding sourced from Brandfetch and a growing brand library.
A transaction's detail sheet: the merchant's banner and logo, the amount, the account, the category and the budget.

Authenticator Security

Protection that does not wait on a text message.

Nevo Money guides authenticator-app setup step by step, so sign-in protection does not depend on carrier delivery. Phone verification for SMS stays separate.

01

Start from Profile & Security

Turn on authenticator-app 2FA from Profile & Security, or from the security card on your dashboard when it shows.

02

Copy the key or open your app

Nevo Money can open an installed authenticator app or give you a setup key to paste into one you already trust.

03

Confirm with one 6-digit code

Tap Done, enter the current authenticator code, and finish sign-in protection without coupling it to SMS delivery.

Verified phone status for SMS delivery is managed separately from sign-in security.

Three languages

Nevo Money speaks your language.

English, Spanish (Mexican Spanish too) and Chinese: every screen, Nevo's replies, your notifications and the daily brief.

Get started

See tomorrow's balance, today.

Free to start. Pick your plan in the app.

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