Personal finance app for expense tracking and budgeting with privacy and simplicity
Your money, across borders
Stage
Not given
Not given
Founded
Not given
Not given
Based in
HU
ID
Pricing model
Free trial
Freemium
Pricing
$59 per year for web and mobile app with all features included. 30-day free trial available with no credit card required.
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.
Key features
Envelope or Zero-Based budgeting with Budget Assistant
Bank statement import (OFX, QFX, CSV) with auto-categorization
Siri voice integration for iPhone expense recording
Financial reports on spending, income, vendors and cash flow
Multi-account management for checking, savings, cash, credit cards and loans
Cross-device synchronization across desktop, laptop and mobile
Smart credit card and loan handling with automatic repayment planning
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
What makes it different
Privacy-first design requiring no bank connection, only an email address
Balance between simplicity and power for serious financial planning
Clean, intuitive interface designed for ease of use
Flexible usage as either simple tracker or full budgeting tool
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
Nomad Flow