No. 49of 181 ·Personal Finance Software

NEKO Money

Android · iPhone

Freedom report

Two barsScore 7.0

Free tierA free tier is on its own pricing page
Runs widely2 of 6 device platforms
DocumentedPlans, terms and facts published

NEKO Money is ranked #49 of 181 in personal finance software on Freedom251, made by NEKO Money (Winchester, Massachusetts, United States). It runs on Android, iOS. There is a free plan.

NEKO Money plans and pricing

All plans

Free Free Accounts · bills · income · budgeting · forecast calendar · Safe to Spend · insights · widgets · sync nekomoney.app · 12 Oct 2026

Premium Credit-card statement tracking · Loan tracking · AI statement import · Ad-free experience nekomoney.app · 22 Sept 2026

Premium Optional subscription; price and billing interval not stated on the page Adds credit card statement tracking · loans · AI statement import · more nekomoney.app · 12 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: manual
Mobile apps: both

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The record

Purpose: NEKO tracks accounts, bills, income, budgets, credit cards and loans, then projects balances forward to show what is safe to spend.
Forecast calendar: The calendar shows projected daily balances as far ahead as scheduled bills and income go.
Safe to Spend: Safe to Spend subtracts upcoming bills, card payments and transfers from balances and can show a breakdown by account.
Bank connection: NEKO says it does not connect to banks or request bank credentials; users enter data or import statements.
Statement import: AI can extract transactions from PDF, Excel or CSV statements and suggest categories, with user review and approval before saving.
Credit cards: NEKO models statement closing dates, due dates and grace periods and calculates the amount to pay to avoid interest.
Loans: Loan tracking includes principal and interest breakdowns, amortization schedules and a projected debt-free date.
Integrations: Users can sign in with Apple or Google to sync across devices, and NEKO supports Siri queries and actions.
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.
Offline use: Most features work without internet, and signed-in data syncs when the device is back online.
Platforms: NEKO supports iPhone, iPad and Android; its FAQ says a web version is on the way.
Support: NEKO is built by Tuxedo Lab LLC, and the about page says the founder answers support email at [email protected].
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.
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.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#49 of 181

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Sources

nekomoney.app/en· checked 12 Oct 2026
nekomoney.app/en/about· checked 12 Oct 2026
nekomoney.app/privacy-policy· checked 12 Oct 2026
nekomoney.app/terms· checked 22 Sept 2026