Freedom251 › Personal Finance Software
NEKO Money
by NEKO Money
What NEKO Money is
NEKO Money is a personal finance app for planning spending with accounts and scheduled income and expenses. It tracks bills, budgets, net worth, credit cards, loans, and income, then projects balances forward. The forecast calendar shows daily projected balances as far ahead as scheduled items extend. Safe to Spend subtracts upcoming bills, card payments, and transfers and can break results down by account. NEKO does not connect to banks or request bank credentials; users enter information or import statements. AI can extract transactions from PDF, Excel, or CSV files and suggest categories for review before saving. Credit-card tools model closing dates, due dates, and grace periods to calculate a payment intended to avoid interest. Loan tracking includes principal and interest, amortization schedules, and a projected debt-free date. The free plan includes accounts, bills, income, budgeting, forecasts, Safe to Spend, insights, widgets, and sync. Premium adds card statement tracking, loan tracking, AI statement import, and an ad-free experience.
Who it suits
It suits people who want personal spending forecasts using manually entered accounts or imported statements. Android and iOS apps support anonymous on-device use or signed-in syncing.
What it does well
- Free plan includes budgeting and forecasts
- Safe to Spend accounts for upcoming obligations
- Imports PDF, Excel, and CSV statements
- Credit-card and loan tracking
- Works offline for most features
What to know first
- No automatic bank connections
- AI imports require review before saving
- Manual data entry or statement import required
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Accounts · bills · income · budgeting · forecast calendar · Safe to Spend · insights · widgets · sync | Free |
| Premium | Optional subscription; price and billing interval not stated on the page · Adds credit card statement tracking · loans · AI statement import · more | On request |
As nekomoney.app lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
NEKO Money focuses on forward-looking cash planning without bank connections, combining forecasts with card and loan details. The free plan covers core budgeting, while premium adds advanced tracking and AI import.
Facts from NEKO Money's own pages
- Account sync
- manual · nekomoney.app, 22 Sept 2026
- Bank connection
- NEKO says it does not connect to banks or request bank credentials; users enter data or import statements. · nekomoney.app, 12 Oct 2026
- Bill tracking
- Yes · nekomoney.app, 22 Sept 2026
- Budgeting tools
- Yes · nekomoney.app, 22 Sept 2026
- Credit cards
- NEKO models statement closing dates, due dates and grace periods and calculates the amount to pay to avoid interest. · nekomoney.app, 12 Oct 2026
- Data storage
- The privacy policy says user content is stored on Google Firebase servers and subscription payment information is processed by Apple App Store or Google Play. · nekomoney.app, 12 Oct 2026
- Forecast calendar
- The calendar shows projected daily balances as far ahead as scheduled bills and income go. · nekomoney.app, 12 Oct 2026
- Free plan
- Yes · nekomoney.app, 22 Sept 2026
- Headquarters
- Winchester, Massachusetts, United States · nekomoney.app, 28 Sept 2026
- Integrations
- Users can sign in with Apple or Google to sync across devices, and NEKO supports Siri queries and actions. · nekomoney.app, 12 Oct 2026
- Loans
- Loan tracking includes principal and interest breakdowns, amortization schedules and a projected debt-free date. · nekomoney.app, 12 Oct 2026
- Mobile apps
- both · nekomoney.app, 22 Sept 2026
- Net-worth tracking
- Yes · nekomoney.app, 22 Sept 2026
- Offline use
- Most features work without internet, and signed-in data syncs when the device is back online. · nekomoney.app, 12 Oct 2026
- Platforms
- NEKO supports iPhone, iPad and Android; its FAQ says a web version is on the way. · nekomoney.app, 12 Oct 2026
- Privacy and security
- The site says users can use NEKO anonymously with data kept on-device or sign in to sync, with a PIN and biometric unlock options. · nekomoney.app, 12 Oct 2026
- Purpose
- NEKO tracks accounts, bills, income, budgets, credit cards and loans, then projects balances forward to show what is safe to spend. · nekomoney.app, 12 Oct 2026
- Safe to Spend
- Safe to Spend subtracts upcoming bills, card payments and transfers from balances and can show a breakdown by account. · nekomoney.app, 12 Oct 2026
- Statement import
- AI can extract transactions from PDF, Excel or CSV statements and suggest categories, with user review and approval before saving. · nekomoney.app, 12 Oct 2026
- Support
- NEKO is built by Tuxedo Lab LLC, and the about page says the founder answers support email at [email protected]. · nekomoney.app, 12 Oct 2026
- Target user
- NEKO is presented as a personal finance app for people who want to plan spending using manually entered accounts and scheduled income and expenses. · nekomoney.app, 12 Oct 2026
Where NEKO Money stands on Freedom251
- Personal Finance Software#76 of 181