Nemo 1.1.0 is live for Windows and macOS — Download free →
Free. Private. Yours.

Smarter than Monarch.
More private than a spreadsheet.

The free desktop budget app that stays on your machine. AI-powered categorization, income detection, and financial planning — without sending your data to someone else's cloud.

Download free See how it works

Windows & macOS Bank-grade mTLS No credit card

Dashboard
Accounts
Transactions
Reports
Budget
Subscriptions
Goals
Plan
Ask Nemo
Dashboard
This Month 3M Year
Net Worth
$24,830
+2.4%
Spending
$3,214
-8.1%
Safe to Spend
$1,486
On track

Built with the same tools your bank trusts

One app

One app. Everything you need.

Track money. Make budgets. Plan ahead. Ask questions. All free.

Track

See every account in one place. Always up to date.

Budget

Set spending limits. Watch them in real time.

Plan

Save for goals. See if you can afford big buys.

Ask Nemo

Ask any question about your money. Get clear answers.

Tracking

All your accounts, in one place.

Checking, savings, credit cards, and loans — all together. Everything updates by itself. You always know what you have.

  • ✓ Every account in one view
  • ✓ Watch your net worth grow
  • ✓ Your data stays on your computer
See tracking →
Accounts
Total Balance
$28,430.52
This Month
+$1,240.00
C
Chase Checking
Depository
$5,230.41
A
Ally Savings
Savings
$18,400.00
A
Amex Gold
Credit Card
-$1,420.89
B
BoA Checking
Depository
$6,221.00
Budgeting

Budgets that fit your real life.

Pick how much you want to spend each month. Nemo suggests good limits from your past spending. Bars fill up as you spend.

  • ✓ Watch each budget fill up
  • ✓ Smart limits picked for you
  • ✓ Save the rest for next month
See budgeting →
April Budget
Housing
$1,400
Groceries
$520
Dining
$342
Shopping
$275
Transport
$180
Fun
$92
“The finance app that's smarter than Monarch and more private than a spreadsheet.”
— Nemo: AI-powered finance that never phones home
Ask Nemo

Ask your money a question.

Just type. Get a real answer about your money. Use ChatGPT, Claude, or a free offline AI.

  • ✓ Type questions in plain English
  • ✓ Use your own AI, or a free one
  • ✓ Answers built from your real spending
Ask Nemo
How much did I spend on dining out last month?
You spent $342 on dining in March across 14 transactions — 18% more than February. The jump was three extra weekend restaurant visits.
What's the biggest subscription I could cancel?
Your largest cancellable subscription is Adobe Creative Cloud at $54.99/mo ($660/year). You haven't used it in 47 days.
Financial Plan

A plan built from your real money.

Nemo looks at your money and makes a plan. Save for goals. Before a big buy, Nemo tells you yes or no.

  • ✓ Smart tips from your real spending
  • ✓ Save for what matters
  • ✓ Get a yes or no before you buy
See planning →
Can I Afford This?
✓
Comfortable
You can afford this $200 purchase
Balance Now
$4,880
After
$4,680
Budget Left
$1,286
Goal Impact
On Track
The comparison

Why pay $15 a month for worse accuracy?

Monarch, YNAB, and Copilot charge $10-15/mo and miscategorize up to 31% of transactions. Nemo is free with 99% accuracy.

Feature Nemo Monarch YNAB Copilot
Price Free $14.99/mo $14.99/mo $11.99/mo
Bank aggregation ✓ ✓ ✓ ✓
Auto-categorization 99% accuracy ~70% Rules only ~90%
Subscription tracker ✓ ✓ — ✓
Ask Nemo (chat) ✓ — — —
Financial Plan ✓ ✓ — —
Data stays on your machine ✓ — — —
Privacy by design

Your money stays on your computer.

Other apps centralize customer transaction data. Nemo stores your financial records locally by default, with explicit controls for optional cloud features.

Locked on your computer

Your bank data is encrypted and stored locally on your computer by default.

Bank-grade safety

Same safety your bank uses. Direct connection. No middleman.

Your AI, your choice

Use ChatGPT, Claude, Gemini, or a free offline AI.

Clear data boundaries

No data selling. No ad-network profiling. Optional cloud features are transparent and user-controlled.

Getting started

Set up in five minutes.

Three steps. No credit card.

01

Install Nemo

Download for Windows or Mac. Sign up with email.

02

Connect your bank

Link your bank safely. Your keys stay on your computer.

03

Add your phone

Optional. Check your money on the go. Lose your phone? Unpair and the keys are gone.

Full setup guide →
Questions

Things people ask.

Yes. Free to download. No ads. No trial that ends. If you use ChatGPT or Claude inside Nemo, you pay them directly — never us. Or use a free offline AI for zero cost.
Through Teller with mutual TLS. Bank credentials are encrypted in your local vault, and any optional multi-device sync uses encrypted blobs that Nemo cannot read.
Your transactions, budgets, and reports live on your computer in an encrypted vault. If you enable optional cloud features, only the minimum metadata needed for those features is sent.
Yes. Nemo is available on Windows and macOS. Mobile companion experiences are optional and rolling out separately.
They charge $10-15/month and send your financial data to their cloud. Their auto-categorization is 70-90% accurate at best. Nemo is free, keeps data on your machine, and hits 99% categorization accuracy with a purpose-built engine — not a relabeled Plaid feed.

Your bank data. Your device.
Your rules.

Smarter than Monarch. More private than a spreadsheet. Free forever.

Download Nemo free