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
Tag spending as Required, Optional or Impulsive
Spend nudges when opening Swiggy, Amazon, Uber and 12 other apps
Monthly budget with category limits
Spending score from 0 to 100
Recurring payments tracker with reminders
Bill splitting
Optional bank SMS tracking
Left for today calculation
No bank login or UPI PIN required
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
Asks why you spent, not just what
Screenshot recognition runs on your phone, never uploaded
Completely free with no ads or subscriptions
Real-time nudges when opening spending apps
Zero-based budgeting with automatic Not allocated category
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
Spenrol
Nomad Flow