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, shows you the change before it happens, and waits for your approval. Nothing moves without your yes.

  • It reads your real numbers

    Nevo answers from the accounts you have connected and 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. "Can I afford this today?" "What should I pay first?" 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. Approve it and you still have five minutes to undo it.

Nothing moves without your yes.

Inside the chat

Everything 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
  • Balances across your connected and manual accounts
  • Transactions in any window, with totals
  • Bills, subscriptions, and income, with cadence and next date
  • Budgets: targets, spent so far, and what is left
  • Cards and loans, with balance, minimum, and the active plan
  • Subscription price changes it has spotted
  • Bills waiting on a "is this the one?" review
Proposes, you approve

Ask it to change something

  • Move a bill to a different date, or change how often it repeats
  • Pause a bill, resume it, or cancel a series
  • Rename a payment, or correct its amount
  • Add a bill or a paycheck the app has not spotted yet
  • Turn a transaction that keeps repeating into a scheduled payment
  • Snooze a detected pattern, or activate one you want
  • Set a monthly budget for a spending group
  • Recategorize one purchase, or set an always rule for a merchant
  • Schedule a card's minimum payment, or set your own amount
  • Keep a one-off charge out of your budget or your forecast
  • Resolve a price-change alert or confirm a bill match
  • Nickname an account, or set your default spending account

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, and you have five minutes to undo it.
  • There are daily limits. Every plan has a daily message allowance, and it resets the next 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 connected account before it can read anything.

What Nevo needs, and what your plan includes.

What turns it on

Switch on AI data sharing in Nevo Money and connect at least one account. 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.

Hear it out loud

Read-aloud answers are available on Core and Premium. Daily message limits apply on every plan, and they reset the next day.

Nevo works inside Nevo Money only. It changes your plan in the app, it never moves money at your bank, and it does not add, edit, or delete your transactions.

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.

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 manually, or import 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.

  • Branded account hero cards with institution colors.
  • Plaid, manual entry, or statement-based import.
  • Credit usage and projected balance front and center on every card account.
  • Pending charges raise your debt the moment Plaid exposes them - often before your bank's own app updates.
Credit card account detail with credit usage, projected balance, pending charges, and scheduled payments

Cash Flow Forecast

See up to a year ahead.

Nevo shows where your money is going. Daily view for 14 weeks. Weekly view for 52 weeks. Monthly view for 12 months. Every scheduled bill and paycheck projected forward, with a "Safe to spend today" amount that respects your tightest cash day.

  • Daily precision for 14 weeks. Weekly for 52. Monthly for 12.
  • "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.
Cash flow projection with daily, weekly, and monthly views

Take Control

Your projection. Your call.

Forecasts only work if they match how you actually live. Take Control lets you mute accounts from the dashboard projection, 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.

  • Mute individual accounts 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.
Take Control of Patterns entry point on the dashboard projection
Core differentiator

Scheduled Payments

The engine that drives the timeline.

Scheduled Payments are the source of truth for cash-flow forecasting, spendable balance, debt timing, and the upcoming flow you actually live with. Move a payment and every downstream view 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.
Upcoming flow details driven by Scheduled Payments - bills, income, transfers, and debt payments on a near-term timeline

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 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.

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.

  • Monthly budget total and live forecast for the month.
  • Category progress with clear over/under indicators.
  • Merchant context inside every category drill-down.
Budgets overview with monthly plan, forecast, and category progress
Core feature

Debt Management

A live debt plan, on the account it belongs to.

Core includes Debt Management for one debt account. Premium expands to portfolio planning.

  • Core unlocks Debt Management for one debt account. Premium expands to portfolio strategy.
  • Active plan stays explicit about payment, schedule, and what counts as on-track.
  • Plan adapts to account type, payment readiness, and monthly capacity.
Debt Management active plan with credit utilization, payment amount, due date, and fixed-payment status

A real example: estimated variable spending of $852 a month across 7 categories, projected interest of $166.92, target payment $1,023. Pay the minimum and the balance grows. Pay to break-even and it actually shrinks. Mark any charge as one-off and the math updates immediately - every exclusion is restorable from one place.

Break-Even Math powering the active plan

Statement Summaries

Turn a statement into clarity.

Each statement opens to a clean summary view: totals, spending by category, and a transaction summary. Use it to review the cycle, then export when you need to share or file it.

  • Totals, categories, and transaction summary in one view.
  • Easy export when you need to send or save the summary.
  • Clean dark-mode rendering on every statement, every cycle.
Statement summary with totals, categories, and transaction summary
Recognition at a glance

Merchant Detail

Remember the meal, not the memo line.

Open any transaction and you get the full picture: brand imagery, category, budget, posted date, balance, description, and location. Recognizable context replaces cryptic bank descriptors.

  • Brand imagery and merchant context on every transaction.
  • Category, budget, posted date, balance, and location in one view.
  • Branding sourced from Brandfetch and a growing brand library.
Branded transaction detail with category, budget, posted date, balance, description, and location

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.

01

Start from Profile & Security

Turn on authenticator-app 2FA during onboarding or later from Profile & Security.

02

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.

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.

Nevo account view - authenticator-app 2FA and app lock are configured separately in Profile & Security

Get started

See the future of your money.

Download Nevo Money on the App Store and Google Play today.

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