Your Personal CFO

Wealth is Quiet.

AI-powered personal finance that understands why you spend, celebrates your progress, and builds lasting wealth. Quietly.

Download on the App Store See how it works
65+ users · 10 five-star reviews · Available in US, UK, Canada
NALO Home — your financial dashboard at a glance

Other apps show you pie charts of your problems.

Overwhelming dashboards. Guilt-based budgeting. Generic advice. They tell you what's wrong but never why. And then they take a cut of whatever they "save" you.

NALO shows you why. And what to do about it.

Understand your patterns. Celebrate your progress. Build lasting wealth through insight, not restriction. Your money stays yours — all of it.

Know exactly where you stand. Every day.

Your daily safe-to-spend, a velocity chart that projects your month, and category breakdowns that show where you're winning — not just where you're failing. NALO tracks your pace against your own history, not someone else's budget template.

NALO Spend tab with velocity chart and smart category tracking

Stop leaving money on the table.

NALO analyzes your actual spending and shows exactly how much more you'd earn with the right card. Unused perks, upcoming payments, better category bonuses — all surfaced without you having to think about it.

NALO Wallet tab showing rewards optimizer and card perks

Ask anything. Get real answers.

"Can I afford this trip?" "How do I cut my fixed costs?" NALO responds with your actual numbers — not generic advice pulled from a blog post. It reviews your profile, thinks through the best approach, and gives you something you can act on.

NALO AI composing a thoughtful, personalized financial response

What matters most, surfaced daily.

Every morning, NALO analyzes your finances and gives you 2–3 things to focus on. Not a dashboard of everything — just the highest-impact actions ranked by what will actually move the needle for your financial health.

NALO Focus tab with AI-generated daily financial priorities

Not all finance apps are on your side.

Most apps profit from your financial confusion. NALO profits from your financial clarity.

Other Apps
NALO
"We saved you $150!" (then takes $60)
"You saved $150." (and you keep all of it)
Cancels subscriptions for you (for a 40% cut)
Teaches you to negotiate (you keep 100%)
"ACHIEVEMENT UNLOCKED!" (dopamine manipulation)
"One month's runway. Saved." (quiet acknowledgment)
"Stop buying coffee!" (guilt-based budgeting)
"That's a joy purchase. Keep it." (joy-aware budgeting)
$12/mo + % of your savings
$7.99/mo. That's it.

Simple pricing. No hidden fees.

No percentage of your savings. No "we saved you X so we take Y." Your money is yours. Period.

Monthly
Yearly Save 37%
Free
$0
forever
Get started with smart money tracking.
  • Bank sync via Plaid
  • Spending insights & chart
  • Net worth tracking
  • Safe to Spend daily
  • Custom themes
  • Limited AI coaching
Download Free
Premium
$7.99
per month
Unlock the full power of AI-driven finance.
  • Everything in Free
  • Unlimited AI coaching
  • Focus — daily priorities
  • Weekly Recap reports
  • Rewards optimizer
  • Voice conversations
  • Joy-aware budgeting
  • Priority support
Download Free

Wealth is quiet. So is our pricing.

Stop stressing about money.
Start understanding it.

Download NALO and see your finances differently. Your savings are yours — all of them.

Download Free