Why Choose Nemo

More than a budget app.
A private finance workspace.

Most finance apps stop at tracking and budgets. Nemo goes further — a Smart Scanner that flags recurring charges and fees, Ask Nemo chat for plain-English questions, a Financial Plan built from your real data, and subscription detection across every account. All running in a desktop app on your own machine.

Get Started Free Explore Features

Smart Scanner

Find savings you would never catch manually

Nemo's Smart Scanner analyzes your transaction history to surface patterns, anomalies, and opportunities that are invisible when you are scrolling through a bank statement. It runs on your machine — transactions stay in your encrypted vault, and no third party sees your spending.

✓ Detect every recurring charge — subscriptions, memberships, annual renewals
✓ Catch price hikes the moment a subscription silently increases
✓ Flag duplicate charges, suspicious fees, and drip spending patterns
✓ Calculate your total potential annual savings automatically

Ask Nemo

Ask Nemo — your money in plain English

Stop digging through menus and reports. Just ask. “What did I spend on dining last month?” “Am I paying for subscriptions I do not use?” “How much can I safely spend this week?” Ask Nemo works against your categorized transactions and returns specific, grounded answers. Voice input is supported — speak your question and get an answer back.

✓ Plain-English questions about spending, income, budgets, and trends
✓ Voice input — ask questions hands-free with speech recognition
✓ Answers grounded in your real categorized transactions
✓ Bring your own OpenAI/Anthropic/Google key, or run a local model — Nemo charges nothing for the chat

Goals & Financial Plan

Set goals, get a Financial Plan to reach them

Create savings goals for anything — emergency fund, vacation, down payment, debt payoff. Nemo tracks progress automatically. The Financial Plan generates budget recommendations, action items, and debt strategies tied to your real spending. The Can I Afford This? simulator lets you test purchases against your cash flow before you commit.

✓ Unlimited savings goals with target amounts, deadlines, and progress tracking
✓ Financial Plan with budget and debt strategy recommendations
✓ Can I Afford This? simulator — run a purchase against your cash flow before you commit
✓ Bills calendar shows every upcoming payment at a glance

Goals and financial planning illustration

The Difference

What sets Nemo apart from every other finance app

Other apps give you a dashboard. Nemo gives you a platform.

Private by architecture

Desktop app with a DPAPI-encrypted vault. Your transactions and bank credentials stay on your computer. No ads, no data selling, no behavioral tracking.

No subscription

Every core feature — budgeting, tracking, reports, goals, scanner — is included at no cost. No trial periods. No feature gates.

AI that works for you

Bring your own OpenAI, Anthropic, or Google API key, or run a local model. You pay your provider directly — Nemo charges nothing for the chat.

Complete financial picture

Budgets, subscriptions, goals, bills calendar, spending reports, and smart insights — everything in one app, not five.

Getting Started

Up and running in under five minutes

From download to complete financial visibility. No credit card required.

Download Nemo

Install on Windows or macOS. The app is lightweight and runs natively on your machine.

Create your free account

Quick setup with email. Your account unlocks bank connections and keeps your preferences synced.

Connect your banks

Securely link checking, savings, and credit cards through Teller with bank-grade mTLS encryption.

Let Nemo work

Transactions auto-categorize, Smart Scanner runs, budgets populate, and insights appear — all within minutes.

FAQs

Common questions about Nemo

Three things. First, price: Monarch and YNAB charge $14.99/mo, Copilot $11.99/mo. Nemo charges nothing. Second, architecture: Nemo is a desktop app, not a web app, so your transactions live in an encrypted vault on your machine instead of on a vendor's server. Third, scope: Ask Nemo chat, Smart Scanner, the Financial Plan, and goal tracking go beyond what a traditional budgeting app offers.

The Smart Scanner runs over your transaction history to detect every recurring charge (subscriptions, memberships, annual renewals), flag price hikes where a service silently increased its fee, identify duplicate charges and fees, and spot drip-spending patterns where small charges add up. All of this runs on your machine — your transactions stay in your encrypted vault.

Ask Nemo lets you query your finances in plain English. When you ask a question, Nemo assembles context from your local data and sends the query to your chosen AI provider (OpenAI, Anthropic, Google) under your own API key — or to a local model via Ollama or LM Studio, in which case nothing leaves the machine. Nemo charges nothing for the chat itself; you pay your provider directly, or run locally for free.

Before making a big purchase, use the Can I Afford This? simulator in the Financial Plan. Enter the amount and Nemo evaluates it against your current finances — income, expenses, savings goals, and existing obligations. It returns a clear verdict (comfortable, tight, risky, unaffordable) so you can decide with real numbers instead of a gut feel.

Yes. Bank connections, budgeting, transaction management, reports, net worth tracking, goals, Smart Scanner, subscription detection, Ask Nemo chat, Smart Insights, the Financial Plan, and the Can I Afford This? simulator are all included. For AI features, bring your own API key or run a local model. No subscriptions, no trial periods, no feature gates.

More than a budget app.A private finance workspace.