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

The free expense tracker that
keeps your data private

Monarch Premium is $14.99/mo and YNAB is $14.99/mo. Nemo is free. Connect your bank accounts, auto-categorize every transaction, and monitor your net worth — all from a desktop app where your transactions live in an encrypted vault on your machine. No ads. No data selling.

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Expense tracking illustration
Net Worth
Total Net Worth
$52,640 +$3,200 this month
JanFebMarApr

Free net worth tracker — see your full financial picture

Other apps charge monthly fees just to show you a number. Nemo tracks balances across every account — checking, savings, credit cards, investments — and charts your net worth trajectory over time, free. Your data stays on your machine, not in someone else's database. A real Mint replacement that respects your privacy.

  • ✓ Automatic daily balance snapshots across all accounts
  • ✓ Historical trend line going back to day one
  • ✓ Breakdown by account type (assets vs. liabilities)
Transactions
A
Amazon
Shopping · Apr 1
-$47.99
S
Spotify
Entertainment · Apr 1
-$10.99
P
Payroll Direct Deposit
Income · Mar 31
+$3,200.00
W
Whole Foods Market
Groceries · Mar 30
-$82.34
N
Netflix
Entertainment · Mar 29
-$15.49
T
Target
Shopping · Mar 28
-$63.21

Auto-categorize transactions with merchant intelligence

Nemo doesn't just list transactions — it understands them. Every purchase is automatically categorized using merchant intelligence that turns cryptic bank descriptions like "AMZN*2K7RF2" into clean, labeled entries. Categorize transactions automatically across every connected account, with zero manual work. This is the same feature Monarch and Copilot charge premium prices for — Nemo gives it to you free.

  • ✓ Auto-categorization powered by merchant intelligence
  • ✓ Real merchant names, logos, and spending categories
  • ✓ Powerful search and filtering across all accounts
  • ✓ Custom categories and split transactions

Spending reports that show where every dollar goes

Stop exporting CSVs and squinting at spreadsheets. Nemo generates spending reports — category breakdowns, income vs. expense comparisons, and trend analysis — refreshed automatically as new transactions sync from your bank. Whether you want a quick snapshot or a year-over-year comparison, the data is already there waiting for you.

  • ✓ Interactive pie charts and bar graphs by category
  • ✓ Month-over-month and year-over-year comparisons
  • ✓ Cash flow reports showing income vs. expenses
  • ✓ Spending trends with 3, 6, and 12-month views
Reports · Last 6 Months
Oct
Nov
Dec
Jan
Feb
Mar
Average monthly spending: $3,142 · Trend: -4.2%
Subscriptions
Monthly Recurring Total
$287.46 · $3,449/year
A
Adobe CC
Monthly · Not used in 47 days
$54.99
G
Google One
Monthly
$2.99
N
Netflix
Monthly
$15.49
G
Gym Membership
Monthly
$49.99

Subscription tracker with automatic recurring charge detection

The average person wastes $240/year on forgotten subscriptions. Nemo's subscription tracker uses recurring charge detection to find every subscription, membership, and recurring bill buried in your transaction history — including the ones you forgot about. No manual entry, no tagging. It just works. Unlike YNAB, which requires you to set up recurring transactions by hand, Nemo discovers them automatically and shows you the annual cost of each one.

  • ✓ Automatic recurring charge detection across all accounts
  • ✓ Flags unused subscriptions you might want to cancel
  • ✓ Annual cost projections for every subscription
  • ✓ Price change alerts when charges go up
Secure Bank Connections

Bank account aggregation with bank-grade mTLS security

Nemo connects to thousands of financial institutions through Teller's API using mutual TLS — the same protocol banks use to talk to each other. Your credentials are encrypted in a DPAPI-protected vault on your machine. Nemo does not maintain a centralized customer transaction database.

Expense tracking illustration

Your money, your machine, your rules

Download Nemo and start tracking your finances privately in under a minute. Every feature on this page is free.

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FAQs

Common questions about free expense tracking

Yes. Nemo's expense tracking, transaction management, net worth tracking, subscription detection, and spending reports are all included at no cost. Monarch Premium is $14.99/mo, YNAB is $14.99/mo, and Copilot is $11.99/mo. Nemo charges nothing for the same core workflow. There are no ads, no data selling, and no marketing — the app runs on your desktop and your transactions stay in an encrypted vault there.
Nemo uses Teller, a regulated financial data aggregator, to connect to your bank. The connection uses mutual TLS (mTLS), the same security protocol banks use to communicate with each other. Your bank credentials are encrypted in your local desktop vault using DPAPI encryption, and optional cloud features use encrypted metadata only.
Nemo uses merchant intelligence to categorize transactions automatically with high accuracy. Common merchants like Amazon, Spotify, Whole Foods, and thousands more are recognized instantly with clean names, logos, and categories. For less common merchants, Nemo learns from your corrections over time and improves. No rules to write, no manual tagging — it works out of the box.
Absolutely. Nemo is the best Mint replacement available because it does everything Mint did — bank account aggregation, auto-categorized transactions, net worth tracking, spending reports, and subscription detection — without the ads, data selling, or sponsored recommendations that plagued Mint. And unlike the paid apps that tried to absorb Mint's user base, Nemo is free and keeps your data private on your own machine.
Transactions sync automatically whenever Nemo detects your bank has new data, typically within a few hours of a transaction posting. You can also trigger a manual sync at any time. Because syncing happens directly between your desktop and your bank through Teller's API, there's no middleman cloud service slowing things down or storing your data.

Free expense tracking on your own machine.

Auto-categorized transactions, net worth tracking, subscription detection, and spending reports — included at no cost, running on your desktop.

Download Nemo Free

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