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Financial Planning Software — Free

A Financial Plan
built from your real data

A Financial Plan, savings goal tracking, and a “Can I Afford This?” simulator — features Mint never had and YNAB charges $109/year for. Nemo includes them, and your transactions stay in an encrypted vault on your machine.

Download Free Financial Planner
Financial planning illustration
Financial Plan

A personalized Financial Plan built from your real data

Stop guessing where your money should go. Nemo's Financial Plan reads your actual income, spending, debts, and goals and produces a complete plan — budget recommendations, prioritized action items, a debt payoff strategy, and savings allocations. Every recommendation is tied to your real transactions, not generic advice. YNAB and Monarch charge $14.99/month and still do not offer this.

  • ✓ Budget recommendations based on your real spending history
  • ✓ Prioritized action items with timelines and specific next steps
  • ✓ Debt payoff strategy with monthly payment recommendations
  • ✓ Risk assessment scoring your overall financial health
My Plan
Monthly Budget
Groceries$520
Dining Out$180
Entertainment$120
Action Items
1. Build emergency fund to $10,000
2. Increase debt payments by $150/mo
Risk Score72 / 100
Moderate — on track with adjustments
How It Works

Your budget forecast in three steps

No spreadsheets. No manual entry. Nemo builds your financial plan from real bank data — not guesses.

1

Connect your bank accounts

Securely link your accounts via Teller (bank-grade mTLS encryption). Nemo instantly analyzes your transaction history to map spending patterns, income cadence, and recurring bills — processed locally on your desktop by default. Optional cloud AI providers are user-configured.

2

Set your savings goals

Emergency fund, dream vacation, down payment, debt payoff — create as many goals as you want. Set target amounts, deadlines, and monthly contributions. Nemo's financial goal tracker monitors each one in real time.

3

Get a personalized financial plan

Nemo generates a Financial Plan with budget recommendations, action items, risk alerts, and goal projections tailored to your actual finances. Bring your own API key (BYOK) or run a local model — pay only what the AI provider charges, or nothing for a local model.

Affordability Calculator

The "Can I Afford This?" what-if simulator

Before you swipe, ask Nemo. The “Can I Afford It?” tool evaluates any purchase against your actual finances — your income, expenses, savings goals, and existing obligations — and returns a clear verdict: comfortable, tight, risky, or unaffordable. This is the feature personal finance apps should have had years ago. Most still do not. Nemo gives it to you free.

  • ✓ Evaluates purchases against your real income, expenses, and goals
  • ✓ Returns a clear verdict — comfortable, tight, risky, or unaffordable
  • ✓ Works for both one-time and recurring purchases
  • ✓ AI-powered analysis considers your complete financial picture
Can I Afford This?
New laptop · $1,200
Scheduled for April 15
Tight
Affordable, but your balance dips to $840 on May 2nd
Better date: Wait until May 1 (payday). Balance after: $3,420 instead of $840.
Financial Goal Tracker

Set savings goals. Track them automatically. Hit them faster.

Emergency fund, Japan trip, first home — whatever you are saving for, Nemo's financial goal tracker keeps you on course. Assign real bank accounts to each goal and watch progress update live as deposits land. AI-projected completion dates adjust automatically based on your actual savings rate, not wishful thinking. YNAB charges $14.99/month for goal tracking. Nemo does it for free.

  • ✓ Unlimited savings goals with target amounts, deadlines, and contributions
  • ✓ Link real bank accounts — progress updates automatically
  • ✓ AI-projected completion dates based on your actual savings rate
  • ✓ Custom icons and colors to keep every goal personal
Goals
🏙 Emergency Fund68%
$6,800 of $10,000 · Est. Aug 2026
✈ Japan Trip42%
$2,100 of $5,000 · Est. Dec 2026
🏠 Down Payment15%
$9,000 of $60,000 · Est. Mar 2029
Private by Architecture

Your bank data stays encrypted on your machine

Cloud-based financial planning apps like Mint, Monarch, and Copilot centralize customer transaction data. Nemo is desktop-first. Your bank connections, transactions, goals, and forecasts are stored in a DPAPI-encrypted vault on your computer by default, with optional cloud features disclosed transparently.

✓

Local-first storage

Financial data is stored locally on your desktop using encrypted SQLite. Nemo does not maintain a centralized customer transaction database.

✓

No ads, no data selling

Nemo is free and will never monetize your data. There are no ads, no affiliate links, no "recommended" financial products.

✓

Bring your own AI key

Use your own OpenAI, Anthropic, Google, or local model key to power AI features. Nemo charges nothing for the chat — you pay your provider directly, or run the model locally.

Financial goals illustration

Start planning your financial future — free

Financial Plan, savings goals, and the Can I Afford This? simulator — all included. No monthly fees.

Download Free Financial Planner
FAQs

Financial planning questions, answered

Yes. The Financial Plan, Can I Afford This? simulator, and savings goal tracking are all included at no cost. You bring your own OpenAI, Anthropic, or Google API key (or run a local model) to power the AI side, and Nemo charges nothing for the chat. No subscriptions, no paywalls.
Nemo reads your connected accounts, transaction history, spending patterns, debts, and savings goals. It generates a personalized Financial Plan with budget recommendations for each category, prioritized action items, a debt payoff strategy, savings allocations for your goals, and a risk assessment. The AI side runs through your own provider key or a local model.
Yes. Create goals for anything — vacations, emergency funds, down payments, or debt payoff. Each goal gets a target amount, a timeline, and an optional monthly contribution. Nemo tracks progress and projects when you will reach each goal based on your actual savings rate, not estimates.
A what-if simulator for purchases. Enter an amount (and optionally a date and frequency), and Nemo runs it against your predicted cash flow. It returns a clear verdict — comfortable, tight, risky, or unaffordable — and if the timing is bad, suggests a better date when your balance is healthier.
Three ways. First, Nemo is a desktop app — your transactions stay in an encrypted vault on your machine, not on a cloud server. Second, features like the Financial Plan, goal tracking, and Can I Afford This? are included at no cost, while Monarch ($14.99/mo), YNAB ($14.99/mo), and Copilot ($11.99/mo) all charge monthly. Third, Nemo's AI features use your own API key, so you are not locked into a proprietary AI system.
No. Nemo does not sell customer financial data and does not run ad-network profiling. Transactions, balances, and goals are stored locally by default, with optional cloud capabilities controlled by the user.

A free Financial Plan
on your own machine

Financial Plan, savings goals, and the Can I Afford This? simulator — running in a desktop app you own.

Download Nemo Free