Every bill, on a calendar
Rent, cards, subscriptions — plotted on the day they strike, with reminders before.
Personal finance, projected forward
Money you can
see coming.
NEKO projects every bill, card payment, and paycheck onto a calendar — so you see the dip before it happens, not after.
Free · No bank login · Your data stays yours
🔔 Electricity due tomorrow
✓ Safe to spend: $1,240
📅 Payday in 4 days
Fig. 1 — Your month, computed in advance.
$25,870your month-end balance — visible today
8 billson the radar, none forgotten
0 banksconnected. By design.
Balances, projected
Watch your balance bounce on payday and dip on rent day — days before it happens.
No bank required
You enter the numbers. No credentials, no scraping, no surprises. Your data is yours.
Safe to spend
"What's left after everything that's already promised?"
That's the only question a budget really has to answer. NEKO keeps a running list of everything about to leave your accounts and quietly subtracts it from what you see as spendable.
- Committed money deducted automatically
- Per-account remaining balances after future bills
- Reminders before every due date
8 bills · none forgotten
Credit cards & installments
Every card and installment, under control
Statement dates, payment due dates, utilization, and installment plans — all in one place. NEKO turns card debt from a monthly surprise into a plan you can actually follow.
- Due-date reminders so you never pay interest by accident
- Track utilization to protect your credit score
- Installments split across future months automatically
Budgets
Budgets that don't feel like punishment
Set limits by category, start your cycle on payday, and watch progress in real time — the truth without the guilt trip. Treat upcoming bills as already spent for a conservative view of what's really left.
- Monthly limits per category with live progress
- Your cycle, your reset day — payday-friendly
- Scheduled bills counted as spent, if you want the strict view
Join thousands who've taken control of their finances
"This is the app that I needed, it allows me to see my balance in the future and what I'm able to spend."
"Great for keeping track of your financial health."
"This is exactly what I was looking for. A clean easy way to track my finances."
FAQ
Questions, answered
Does NEKO connect to my bank account?
No. NEKO is manual-entry by design. You record your accounts and transactions yourself, and NEKO never asks for bank credentials — there is no connection to your banking institutions. Your financial data stays under your control.
Is NEKO free?
Yes — NEKO is free to download and use. An optional Premium subscription unlocks advanced features like credit card and installment tracking, and is managed through the App Store or Google Play.
What is "Safe to Spend"?
It is your real spendable money: your current balance minus everything already committed — upcoming bills and credit card payments. NEKO calculates it automatically, so a healthy-looking balance never tricks you into overspending.
How is NEKO different from bank-linked budgeting apps?
Bank-linked apps show you the past; NEKO projects your future. Because you enter the data yourself, you stay aware of every dollar, there are no broken bank connections, and no third party holds your credentials.
Which platforms does NEKO support?
NEKO is available for iPhone on the App Store and for Android on Google Play, in English and Spanish.
How do I delete my account and data?
You can delete your account directly in the app settings, or request deletion by email from our account deletion page at nekomoney.app/account-deletion. Deletion is permanent.
Stop guessing. Start projecting.
Download NEKO free and set up your accounts in minutes.