Nemo 1.1.0 is live for Windows and macOS — Download free →
Nemo

Nemo

The free, private desktop finance app that replaces $15/month subscriptions. Budget, track, and plan — all without your data ever leaving your machine.

Download for Windows
Free · Windows 10 or later · 64-bit · ~80 MB
No credit card required to get started
Dashboard
Accounts
Transactions
Reports
Budget Planner
Subscriptions
Schedules
Smart Insights
Bills Calendar
Goals
Financial Planner
Ask Nemo
Total Balance All accounts
$6,057
+33.18%
Income This month
$0.00
-100%
Expenses This month
$897
+98.23%
Savings Rate This month
0%
Net Worth
Your balance trend over time
Monthly Spending
Nov
Dec
Jan
Feb
Mar
Apr

Upcoming Bills

See all
HD
Home Depot
Apr 5
$23.98
TV
TradingView
Apr 5
$21.95
SY
Synchrony
Apr 8
$363.17
WF
Whole Foods
Apr 8
$96.20
FI
Fidelity
Apr 10
$181.83

AI Insights

See all
Insights will appear after your first scan
Nemo

Nemo

A native macOS finance app. Dark mode, Retina, Apple Silicon. Connect your accounts — transactions stay in an encrypted vault on your machine.

Download for macOS
Free · macOS 12 Monterey or later · Apple Silicon & Intel
No credit card required to get started
Dashboard
Accounts
Transactions
Reports
Budget Planner
Subscriptions
Schedules
Smart Insights
Bills Calendar
Goals
Financial Planner
Ask Nemo
Total Balance All accounts
$6,057
+33.18%
Income This month
$0.00
-100%
Expenses This month
$897
+98.23%
Savings Rate This month
0%
Net Worth
Your balance trend over time
Monthly Spending
Nov
Dec
Jan
Feb
Mar
Apr

Upcoming Bills

See all
HD
Home Depot
Apr 5
$23.98
TV
TradingView
Apr 5
$21.95
SY
Synchrony
Apr 8
$363.17
WF
Whole Foods
Apr 8
$96.20
FI
Fidelity
Apr 10
$181.83

AI Insights

See all
Insights will appear after your first scan
Your data stays on your machine
No ads or data selling
Bank-grade mTLS security
Included Free

Everything the $15/mo apps charge for

Monarch charges $14.99/mo. YNAB charges $14.99/mo. Nemo includes the same core features at no cost — no credit card to download, no trial timer.

Unlimited Bank Accounts

Connect every checking, savings, and credit card account. All synced automatically, all in one place.

Smart Transactions

Auto-categorized with merchant intelligence. Search, filter, and understand exactly where your money goes.

Monthly Budgets

Set limits by category and watch each envelope shrink as transactions land. See what you have left before you overspend.

Subscription Detector

Automatically finds every recurring charge. Spot forgotten or duplicate subscriptions you are still paying for.

Reports & Visual Insights

Spending breakdowns by category, merchant, and time period. See your financial picture at a glance.

Savings Goals

Set a target amount and date. Nemo tracks your progress automatically so you stay on pace.

Private by Design

Your bank data stays encrypted on your machine

Nemo is a desktop app, not a web app. Your transactions, budgets, and bank credentials live in a DPAPI-encrypted vault on your computer — nothing readable reaches our servers. Bank connections use mTLS (mutual TLS), the same certificate-based encryption banks use with each other.

  • ✓ DPAPI-encrypted vault — credentials tied to your OS user account
  • ✓ No ads — we do not monetize your attention or data
  • ✓ No data selling — your transaction history is never shared
  • ✓ No marketing emails — we only use your email for the things you asked for
  • ✓ Bank-grade mTLS — certificate-pinned connections to your bank
Security
All data stored locally
No readable transaction data sent to Nemo servers by default
Bank connectionmTLS encrypted
Local databaseDPAPI encrypted
Cloud uploadsOptional account metadata only
AI Features Included

Bring your own AI — or run one locally

Nemo's AI features — Smart Insights, the Financial Plan, Ask Nemo chat, and the Can I Afford This? simulator — are all included. Connect your own API key or run a local model:

  • ✓ Bring your own API key — connect OpenAI, Anthropic, Google, or a local model. You pay your provider directly. Nemo charges nothing for the chat.
  • ✓ Run locally with Ollama or LM Studio — AI features work with a fully offline model if you prefer.
Ask Nemo
What's my biggest unnecessary expense?
Your Adobe Creative Cloud subscription at $54.99/mo hasn't been used in 47 days. Cancelling saves you $660/year. Want me to show you other idle subscriptions?

The free, local-first alternative to Mint, YNAB, and Monarch.

No credit card. No trial timer. No subscription. Bank data stays encrypted on your device.

Download Free for Windows Download Free for macOS