Nich Money turns your budget into one number: what you can spend today without derailing the month.

Log a spend in a few taps and the number updates straight away. Rent, subscriptions and pay day sit ahead of today, so the money you already owe is never counted as spare.

WHAT'S INSIDE

• Daily allowance: your budget for the period, broken down to today, with rollover rules you choose
• Fast logging: spends, income and transfers between accounts, with categories and payees
• Budgets and limits: weekly or monthly caps per category
• Bills and pay days: recurring items that post when they happen, and ask when pay has arrived
• Savings goals: set aside the surplus and watch the date you reach it move
• Debt payoff: cards and loans with interest rate and minimum payment, snowball or avalanche, and a payoff date that updates as you pay
• Money you lent: keep track of what friends owe you and what they have paid back
• Accounts: cash, cards, savings and loans in one list
• Trends: where the money went, by week, month or longer
• Gentle nudges: a short morning read and an evening reminder if you forgot to log, not a push for every coffee

WORKS OFFLINE

Every screen works without a connection. Entries are saved on your phone first and sync by themselves when you are back online. Use it on Android and on the web with the same account.

PRIVATE BY DESIGN

• No bank connection and no card numbers: you enter what you want to track
• No ads, and your data is never sold
• Close your account from the app at any time, and everything is deleted

Nich Money is a personal budgeting tool. It does not move money, give financial advice or offer credit.