Budgeting and debt payoff planner with no bank linking and no data selling
Stage
Not given
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Founded
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Based in
ID
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Pricing model
Freemium
Not given
Pricing
Free plan with unlimited accounts in any currency, Money Chat, budgets, forecast and encrypted sync. Nomad Monthly at $6.99 per month or Nomad Yearly at $59 per year (save 29% yearly). All plans billed in USD through Paddle.
Free plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
Key features
Accounts in any currency with single Net Worth view
Money Chat for natural language transaction entry
End-to-end encrypted sync across devices
Budget income and spending with runway forecast
Scenario planning and forecasting
CSV and ZenMoney import
Local-only or Private AI options
Data export as JSON or CSV
Recovery key backup
Avalanche, snowball, or custom debt payoff order
Projected debt-free date
Financial forecasting up to ten years out
Overdraft warnings months in advance
Bank and credit card statement upload
No bank account connection required
Two-factor authentication and encryption
Consolidation offer calculator
Household sharing of financial books
What makes it different
Privacy-first design with end-to-end encryption that even the company cannot read
Designed specifically for people managing life across multiple countries and currencies
AI that respects privacy with local-only mode running in browser
No bank login required, manual entry or import only
Free plan with full workspace including encrypted sync
No bank account linking – you enter numbers, not credentials
Price locked in for life – no rate increases
Reads bank statements to eliminate manual data entry
Actual debt-free date instead of vague projections
Nomad Flow
The Silo