A payment arrives.
$340 from a week of gig driving. Nothing withheld, no plan attached, all of it sitting in one account.
Example figures. Tap any dish to change its name or amount.
Every dollar in its place.
When a new payment comes in, from a client, a gig app, or a marketplace sale, Nilvo helps you give every dollar a place: taxes, business costs, savings, spending. Then you spend what is yours.
Taxes, set aside
Nothing was withheld from this payout. You pick the amount. Nilvo tracks what you choose to set aside; it does not tell you what you owe.
Gas and maintenance, set aside
The car earned this week. Part of the week goes back into the car.
Savings, set aside
A share put away before the week has a chance to spend it.
Personal, yours to spend
What is left has a job too: this is the part you can spend without second guessing.
Nothing left loose.
$340 sorted, $0.00 left to sort. The $165 for personal is yours to spend.
- $85Taxes
- $40Gas and maintenance
- $50Savings
- $165Personal
New income, no plan attached.
A paycheck arrives with taxes already taken out and a routine built around it. The first money from a client, an app, or a shop arrives with none of that.
Nothing withheld.
The whole payout lands in your account, including the part you may want for taxes later.
Amounts and dates vary.
A big week, then a quiet one. A client who pays in thirty days. No two payments look alike.
One account, no plan.
It all sits together, so the money meant for gas or savings looks like money to spend.
Your money, left where it is.
Every dollar stays in your own account. Only the list gets sorted.
Nilvo keeps
- The payments you log, when you log them
- The categories you name
- The amounts you choose for each one
Nilvo never
- Holds, moves, or connects to your money
- Acts as a bank, lender, payment processor, money transmitter, or tax preparer
- Says what you owe, or gives tax, legal, investment, or accounting advice
Every source, sorted the same way.
Log what arrived, give every dollar a place, land at zero. It works the same for each kind of payment, and they all share one set of categories.
- A client invoicePaid once, often weeks after the work.
- An app payoutEvery week, a different amount.
- A marketplace saleSmall, and whenever something sells.
- Taxes
- Business costs
- Savings
- Personal
Categories shown as an example. You name your own.
First payments, sorted.
Illustrative stories. They are written to show the habit, not quoted from real customers.
The first invoice came in and I had no idea which part was mine. Now I log it the day it lands and give every dollar a place before I touch any of it.
Illustrative story: a first-year freelance illustrator, Tucson Payouts from the app come in odd amounts on odd days. Each one goes into the same four categories, so none of it just floats in my account.
Illustrative story: a weekend delivery driver, Mesa I sell a few pieces a month. I pick my own amount for taxes on every sale, and the rest has a job before I spend it.
Illustrative story: a part-time online seller of vintage clothing, Albuquerque
Questions, answered as the rules.
Open a line for the full rule.
Is Nilvo a bank?No
No. Nilvo is a tracker. It is not a bank, lender, payment processor, money transmitter, or tax preparer, and it never holds, moves, or connects to your money.
Does it connect to my bank account?No
No. Nilvo never connects to your money. You log each payment yourself, and the money stays wherever it already is.
Does it tell me what I owe in taxes?No
No. You choose every category amount, including what you set aside for taxes. Nilvo tracks what you choose to set aside; it does not tell you what you owe, and it gives no tax, legal, investment, or accounting advice.
What is free?$0
Logging payments, assigning them to a basic set of categories, and landing at zero. The free plan is complete on its own, and free for as long as you like.
What does Plus cost, and how does canceling work?$9 a month or $90 a year
Plus is $9 a month, or $90 a year billed annually. It adds more categories, saved category templates for recurring income sources, and a monthly summary of allocations across a longer history. Cancel any time: Plus stays active through the last day you paid for, then your account returns to Free with your logged payments kept. Canceling annual Plus partway through the year does not refund the months left.
What texts does Nilvo send?Tips, if you opt in
Only Nilvo Tips, and only if you opt in at the foot of any page. They are marketing texts with tips for tracking new income. Opting in is not a condition of an account or a purchase. Message frequency varies. Reply STOP to cancel, HELP for help.
Sort the next payment the same way.
Log it when it lands. Give every dollar a place. Spend what is yours.