Chat your way to financial clarity

Budget smarter with AI that understands you — no passwords, no spreadsheets, no jargon.

Try free for 14 days See how it works

14-day free trial · No credit card · Passwordless sign-in

Why most people give up on budgeting

Forms are tedious

Logging each transaction into categories feels like data entry. By month two, you've stopped.

Spreadsheets don't collaborate

Conflicting edits, no audit trail, confusion about who changed what. Partners give up.

Apps treat you like a stranger

Most software ignores what you told it last year and can't give you personalized insight.

Everything you need to budget together

Set budgets your way

Create one budget or many — household, side income, annual goals. Set limits by category and time frame. The AI helps you build a realistic budget, then share it with your partner or advisor.

Just tell the AI

Text "spent $25 on gas yesterday" and Nels categorizes it automatically. Get alerts at 80% and 100% of a limit, plus daily, weekly, or monthly reminders.

Understand your money

Ask "how much did I spend on dining out this month?" Nels gives category breakdowns, trends, top transactions, and a plain-English narrative of where your money goes.

Save together, celebrate together

Set savings or debt-payoff goals, track progress in real time, and celebrate milestones — building motivation, not guilt. Share goals so everyone pulls the same direction.

Built on trust. Secured by standards.

Sign in with passwordless TOTP — the same standard banks use — via Google Authenticator, 1Password, Authy, or any standard app. No passwords to steal. Your data is encrypted in transit, and we never sell it.

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Simple pricing, no surprises

Free for 14 days, then $5/mo or $50/yr. Cancel anytime.

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Frequently asked

Do you give financial or investment advice?

No. Nels offers personalized spending insights based on your data, but it is not a registered financial advisor.

Is my data safe?

Yes. Nels uses passwordless authenticator-app sign-in and encrypts data in transit. We do not sell your data.

Can I share a budget with my partner or family?

Yes — invite them by email with view, edit, or owner permissions. Every change is recorded in an audit log.

How does the free trial work?

Try Nels free for 14 days, no credit card required. After that it's $5/mo or $50/yr.

Ready to budget smarter?

Start your free 14-day trial. No credit card. No passwords.

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