Free version available. Unspent More: 7-day free trial, then Monthly US$2.99 or Annual US$24.99
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
Track skipped purchases
See spending insights by category, merchant, and weekday
Set and track savings goals
Build streaks and earn achievements
Create quick logs for common skips
No bank connection required
Search and filter skips
Unlimited active goals
Ad-free experience with subscription
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
Tracks decisions not to spend rather than expenses already spent
Positive reinforcement approach instead of guilt-focused budgeting
No bank connection or transaction imports needed
Simpler alternative to traditional budgeting apps
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
Unspent
Nomad Flow