Nemo 네모 - 함께쓰는 공동 가계부
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About this app
Nemo - All Your Money
💚 Shared Household Ledger, Shared Settlement
Personal ledgers and joint ledgers in one app. A ledger where you don't have to worry about who paid how much every time.
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✨ Here's what it has
📔 Personal + Joint Ledger Integration
Your personal ledger and a joint ledger shared with family and roommates in one app.
⚡ Dutch Settlement (Nemo's Signature)
For friend gatherings or trips, select the number of participants per round and split the cost 1/N among them.
"Different people, different amounts for every round" — No headache calculating; just enter the data and Nemo takes care of the sorting.
💳 Integrated Asset Management
Cards, bank accounts, savings, deposits, loans, stocks, and even joint accounts—all on one screen.
🧮 Automatic Monthly Settlement
Automatically calculates the balance for each member of the joint ledger. Equal sharing or shared account method.
📊 Analysis at a Glance
Intuitively see where and how much you spent with monthly donut charts and category bar graphs.
🔄 Automatically Linked Transactions
Transactions settled in the shared ledger are automatically reflected in your personal ledger as well. Two records with a single input.
📱 QR Code Invitation
Share the shared ledger invitation code via QR code. Friends nearby can join with a single scan.
💬 Transaction Memos / Comments
Leave memos on other members' transactions to request verification or clarify how the funds were used.
🔔 Real-time Notifications
Receive instant notifications for invitations, memos, and settlement changes.
🔒 Secure Personal Information
Only you can edit or delete your personal ledger, and in the shared ledger, only the transactions you registered can be modified or deleted.
📴 Offline Support
Transactions can be registered even when the internet is disconnected. Automatic synchronization occurs once connected.
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👥 Recommended for:
· 💑 Couples living together · Roommates
· 👨👩👧 Family household accounts
· 🎉 Gatherings · Clubs · Travel groups
· 📔 Meticulous personal account users
· 💼 Those who want to consolidate scattered assets on one screen
━━━━━━━━━━━━━━━━━━━━
⚡ Why is Nemo's split settlement different?
The number of participants in spot gatherings varies for the 1st, 2nd, and Nth rounds. If you manually calculate who splits the cost 1/N for each round, someone will eventually end up losing out.
With Nemo, settlement is handled automatically simply by entering the number of participants and payers for each round. Once you designate a single person to handle the settlement, transfers are completed in N-1 steps. We show you at a glance who needs to send how much to whom.
━━━━━━━━━━━━━━━━━━━━
🚀 Start Now
Start in 5 seconds with your Google or Apple account.
Register transactions immediately without signing up.
Inquiries / Improvement Requests — contact@cumiel.com
KakaoTalk Channel — @_nemo
Nemo — Note Every Money Operation
Record every money movement
💚 Shared Household Ledger, Shared Settlement
Personal ledgers and joint ledgers in one app. A ledger where you don't have to worry about who paid how much every time.
━━━━━━━━━━━━━━━━━━━
✨ Here's what it has
📔 Personal + Joint Ledger Integration
Your personal ledger and a joint ledger shared with family and roommates in one app.
⚡ Dutch Settlement (Nemo's Signature)
For friend gatherings or trips, select the number of participants per round and split the cost 1/N among them.
"Different people, different amounts for every round" — No headache calculating; just enter the data and Nemo takes care of the sorting.
💳 Integrated Asset Management
Cards, bank accounts, savings, deposits, loans, stocks, and even joint accounts—all on one screen.
🧮 Automatic Monthly Settlement
Automatically calculates the balance for each member of the joint ledger. Equal sharing or shared account method.
📊 Analysis at a Glance
Intuitively see where and how much you spent with monthly donut charts and category bar graphs.
🔄 Automatically Linked Transactions
Transactions settled in the shared ledger are automatically reflected in your personal ledger as well. Two records with a single input.
📱 QR Code Invitation
Share the shared ledger invitation code via QR code. Friends nearby can join with a single scan.
💬 Transaction Memos / Comments
Leave memos on other members' transactions to request verification or clarify how the funds were used.
🔔 Real-time Notifications
Receive instant notifications for invitations, memos, and settlement changes.
🔒 Secure Personal Information
Only you can edit or delete your personal ledger, and in the shared ledger, only the transactions you registered can be modified or deleted.
📴 Offline Support
Transactions can be registered even when the internet is disconnected. Automatic synchronization occurs once connected.
━━━━━━━━━━━━━━━━━━━━
👥 Recommended for:
· 💑 Couples living together · Roommates
· 👨👩👧 Family household accounts
· 🎉 Gatherings · Clubs · Travel groups
· 📔 Meticulous personal account users
· 💼 Those who want to consolidate scattered assets on one screen
━━━━━━━━━━━━━━━━━━━━
⚡ Why is Nemo's split settlement different?
The number of participants in spot gatherings varies for the 1st, 2nd, and Nth rounds. If you manually calculate who splits the cost 1/N for each round, someone will eventually end up losing out.
With Nemo, settlement is handled automatically simply by entering the number of participants and payers for each round. Once you designate a single person to handle the settlement, transfers are completed in N-1 steps. We show you at a glance who needs to send how much to whom.
━━━━━━━━━━━━━━━━━━━━
🚀 Start Now
Start in 5 seconds with your Google or Apple account.
Register transactions immediately without signing up.
Inquiries / Improvement Requests — contact@cumiel.com
KakaoTalk Channel — @_nemo
Nemo — Note Every Money Operation
Record every money movement
Combine joint and individual household ledgers into one. Includes ledgers for family, roommates, and social gatherings.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
What’s new
Nemo 네모 v2.9.0 Release
홈 화면 위젯이 생겼어요.
• 퀵버튼 — 지출 등록, 장보기, 더치정산, 경조사 등을 홈 화면에서 바로. 버튼과 순서를 직접 고르세요.
• 카드 사용 — 이번달 카드별 사용액과 실적·한도 (실적만/한도만/둘 다 선택)
• 장보기 — 위젯에서 바로 체크하고, 버튼으로 다른 리스트로 전환할 수 있어요.
설정은 마이페이지 › 홈 화면 위젯.
마이너스통장 등록
• 계좌 추가에서 '마이너스' 선택. 마이너스 잔액은 순자산에서 자동 차감되고, 한도를 넣으면 사용률·남은 한도가 보여요.
내역 관리 정확도 개선
• 이체를 지출로 집계하는 토글 (마이너스통장·대출 상환용)
• 거래별 공동 정산 포함/제외 직접 변경
• 공용통장 연결 체크카드 상호 확인 + 상대방 결제분 대신 등록
그 외
• 자주 쓰는 내용 자동완성 위치·스크롤 문제 수정
• 버그 수정 및 안정성 개선
홈 화면 위젯이 생겼어요.
• 퀵버튼 — 지출 등록, 장보기, 더치정산, 경조사 등을 홈 화면에서 바로. 버튼과 순서를 직접 고르세요.
• 카드 사용 — 이번달 카드별 사용액과 실적·한도 (실적만/한도만/둘 다 선택)
• 장보기 — 위젯에서 바로 체크하고, 버튼으로 다른 리스트로 전환할 수 있어요.
설정은 마이페이지 › 홈 화면 위젯.
마이너스통장 등록
• 계좌 추가에서 '마이너스' 선택. 마이너스 잔액은 순자산에서 자동 차감되고, 한도를 넣으면 사용률·남은 한도가 보여요.
내역 관리 정확도 개선
• 이체를 지출로 집계하는 토글 (마이너스통장·대출 상환용)
• 거래별 공동 정산 포함/제외 직접 변경
• 공용통장 연결 체크카드 상호 확인 + 상대방 결제분 대신 등록
그 외
• 자주 쓰는 내용 자동완성 위치·스크롤 문제 수정
• 버그 수정 및 안정성 개선
Everyone
Learn moreApp support
About the developer
큐미엘(주)
contact@cumiel.com
대한민국 16907 경기도 용인시
기흥구 용구대로 2439 4층 2호 (마북동,주풍)
+82 10-3108-4523
