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Start from Profile & Security
Turn on authenticator-app 2FA during onboarding or later from Profile & Security.
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, recognize merchants instantly, and turn PDF statements into usable accounts.
Accounts
Every account, one view.
Three ways to add accounts: connect securely with Plaid, add manually, or create from an uploaded statement using AI. Checking, savings, credit cards, loans, and mortgages all live in one unified dashboard.
- Branded account hero cards with institution colors.
- Plaid, manual entry, or AI-powered statement import.
- 97.3% transaction categorization accuracy.
Cash Flow Forecast
See up to a year ahead.
Most apps show you where your money was. Nevo shows where it's going. Daily view for 14 weeks. Weekly view for 52 weeks. Monthly view for 12 months. Every scheduled bill and paycheck projected forward with pattern overlays that reveal spending trends.
- Daily precision for 14 weeks. Weekly for 52. Monthly for 12.
- Pattern overlays for spending trends.
- Spot low-balance days weeks or months before they arrive.
Core differentiator
Scheduled Payments
The engine everything runs on.
Most apps stop at reminders. Nevo 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.
- 6 amount rules: fixed, minimum, statement balance, full balance, custom, and break-even.
- Auto-reconciliation matches posted bank transactions to your schedules.
- 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.
What others call "scheduled payments"
Other apps
- One amount field. A number. That's it.
- No auto-matching with bank transactions.
- 2–3 states: upcoming, paid, missed.
- No idea where a payment came from or why.
- Disconnected 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 with plan-level freeze, pause, and ready controls.
- Full provenance: Plaid recurring stream, liability schedule, or manual - always traceable.
- Drives projections, break-even, debt management, budgets, and notifications. All of them.
Per-account, per-payment control.
Every credit card, loan, and mortgage gets its own scheduled payments section - with merchant logos, amount strategy chips, and days until due. Tap any payment to see cadence, reconciliation history, and provenance. This isn't a list. It's a financial control panel.
Budgets & Spending
Know where it goes.
Set spending targets, track progress in real time, and drill into categories with visual donut charts. See exactly how your money moves across categories and merchants.
- Category spending donut charts.
- Merchant-level spending breakdowns.
- Real merchant logos in analytics.
Debt timing insight
Break-Even Intelligence
AI that knows your spending.
Nevo estimates your variable spending by category, calculates interest impact from your posted APR, and computes a break-even target with a safety cushion. No other app does this math. No other app even knows it should.
- AI-estimated variable spending across every category.
- Interest projection using your real APR - not an estimate.
- Break-even target with buffer, computed and ready to accept.
Nevo estimated my variable spending - $852/month across 7 categories - added projected interest of $166.92, computed my target at $1,023, and told me my scheduled payment was $818 short. No other app does this math. No other app even knows it should.
Real calculation from break-even analysis
From insight to action.
See the full breakdown: estimated charges by category, projected interest, buffer amount, and coverage status - all computed from your actual transaction history. Accept a plan with one tap and Nevo creates the scheduled payment automatically.
- Category-level spending buckets with confidence scores.
- One-tap plan acceptance creates the payment for you.
- Shortfall detection warns you before the due date - not after.
Statement Intelligence
Upload. Extract. Visualize.
Upload credit card statements and let AI extract every transaction automatically. Create entire accounts from a single PDF. Visual summaries with donut charts by category and merchant.
- AI-powered transaction extraction from PDF statements.
- Create new accounts directly from uploaded statements.
- Visual summaries with category and merchant breakdowns.
Recognition at a glance
Merchant Intelligence
Your Costco has a face.
Merchant Intelligence keeps transactions recognizable with storefront photography, brand detail, and consistent context for both spending and income.
- Real storefront photography for transactions.
- Branded cards for both expenses and income.
- Powered by Brandfetch with a growing branding database.
Smart Notifications
Signal, not noise.
Get clear alerts about account imports, debt insights, upcoming schedule changes, and break-even coverage shifts. Every notification is actionable and routes to the right screen.
- Import completion and account sync alerts.
- Break-even and debt strategy updates.
- Deep-link routing to the relevant screen.
Authenticator Security
Protection that does not wait on a text message.
Nevo guides authenticator-app setup step by step, so sign-in protection does not depend on carrier delivery. Phone verification for SMS stays separate.
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Copy the key or open your app
Nevo can open an installed authenticator app or give you a setup key to paste into one you already trust.
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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.
Get started
See the future of your money.
Early access opens on iOS and Android. Review pricing now and choose your plan in the app at launch.