Your money's personal CFO Books your accountant can trust

Wealth is Quiet.

The AI finance app that shows you why you spend, celebrates your progress, and quietly builds lasting wealth — and never takes a cut of your savings.

Categorized expenses, a cash-basis P&L, and a clean export your accountant can actually use. Nalo only books what it is certain about and hands you the rest.

Download on the App Store See how it works
Open Nalo Business For bookkeepers & firms
★ 4.9 on the App Store Bank-level security via Plaid United States
Safe to spend
$1,800
On pace for the month
Nalo home screen showing net worth, this month's income and spending, and safe-to-spend
Saved this month
+$2,982
And it's all yours
The problem

Most money apps profit from your confusion.

Overwhelming dashboards. Guilt-based budgeting. Generic advice pulled from a blog. They show you what's wrong but never why — then take a percentage of whatever they "save" you.

Insight, not pie charts

Nalo tracks your pace against your own history — surfacing the why behind your spending, not just the what.

Joy-aware, never guilt

"That's a joy purchase. Keep it." Nalo celebrates progress instead of shaming every coffee.

Your money stays yours

No percentage of your savings. No hidden cut. Just $7.99 a month — every dollar you keep is yours.

How it works

Everything you need to understand your money — and act on it.

Spending intelligence

Know exactly where you stand. Every day.

Your daily safe-to-spend, a velocity chart that projects your month, and category breakdowns that show where you're winning — not just where you're failing. Nalo measures you against your own history, never someone else's budget template.

Nalo spending screen: a monthly calendar heatmap with category totals
Nalo Wallet screen: every linked account in one view, cash separated from debt
Wallet

Every account. One quiet view.

Checking, savings, cards, and loans in one place — cash separated from debt, and balances shown only when your bank actually reports them. What you have and what you owe, with none of the spin.

AI coaching

Ask anything. Get real answers.

"Can I afford this trip?" "How do I cut my fixed costs?" Nalo answers with your actual numbers — not generic advice from a blog post. It reviews your profile, thinks it through, and gives you something you can act on today.

Nalo's AI answering a question about this month's spending
Nalo Focus screen: the day's prioritized money actions, including a subscription worth reviewing
Focus

What matters most, surfaced daily.

Every morning Nalo gives you two or three things to focus on — not a dashboard of everything, just the highest-impact moves ranked by what will actually move the needle for your financial health.

The difference

Not all finance apps are on your side.

Most apps profit from your financial confusion. Nalo profits from your financial clarity.

Other apps
Nalo
"We saved you $150!" — then takes $60
"You saved $150." And you keep all of it
Cancels subscriptions for a 40% cut
Teaches you to negotiate — you keep 100%
"Achievement unlocked!" dopamine loops
"One month's runway. Saved." Quiet acknowledgment
"Stop buying coffee." Guilt-based budgeting
"That's a joy purchase. Keep it." Joy-aware
$12/mo + a percentage of your savings
$7.99/mo. That's it.
Pricing

Simple pricing. No hidden cut.

No percentage of your savings. No "we saved you X, so we take Y." Your money is yours. Period.

No per-seat games. No setup fees. No percentage of anything. The price on this page is the price.

Free
$0
forever
Get started with smart money tracking.
  • Bank sync via Plaid
  • Spending insights & charts
  • Net worth tracking
  • Safe-to-Spend, daily
  • Limited AI coaching
Download Free
Most popular
Premium
$7.99
per month · save 37% yearly
The full power of AI-driven finance.
  • Everything in Free
  • Full AI coaching — generous daily fair-use
  • Focus — daily priorities
  • Weekly Recap reports
  • Deeper AI models for harder questions
Get Premium
Download free, upgrade to Premium in the app.
For your business
Nalo Business
$100
per month · or $1,000 a year (two months free)
Books that show their work.
  • Every account, categorized against your own history
  • A review queue that shows its work
  • Findings, recurring detection, month-over-month
  • Accountant export: transactions, Schedule C-line summary, method notes
Start on the web
Web-only. Cancel any time — your data and your export stay yours.
For firms
$100
per client per month
Your whole practice under one login.
  • $85 per client beyond your 24th
  • Every client’s books, review queue and export
  • What you teach on one client never leaks into another
  • Past 50 clients: annual terms — talk to us
See Nalo for Firms

Stop stressing about money.
Start understanding it.

Download Nalo and see your finances differently. Your savings are yours — all of them.

Download on the App Store
Free to start · No credit card · Cancel anytime