Every feature built for clarity
Up to a year of cash flow forecasting, real merchant photography, AI-powered statements, and 3-language support. Built by one person who refused to compromise on quality.
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.
Scheduled Payments
The engine everything runs on.
Other apps treat scheduled payments as calendar reminders. Nevo treats them as the authoritative source of your financial future. Every projection, every break-even calculation, every debt strategy, and every cash flow forecast is driven by your scheduled payments. Remove them and the entire app stops working. Nobody else builds this way - because nobody else thought to.
- 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"
- 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.
- 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.
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.
Merchant Intelligence
Your Costco has a face.
Nevo is the only finance app that shows real merchant storefront photography in transaction details. Not just a logo. The actual building. Expenses and income alike, powered by Brandfetch and a growing branding database.
- 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.
Privacy-First Security
Your data stays yours.
Encrypted sync, biometric app lock, and secure Plaid integration. No ads, no data selling, no tracking. Available in English, Spanish, and Chinese with full localization.
- Biometric app lock with Face ID and fingerprint.
- Encrypted Firebase sync.
- 3-language support: EN, ES, ZH.
Get started
See the future of your money.
Join the first wave and experience financial clarity on iOS and Android.