Nilvo

Two plans, both complete.

On Free, you log every payment and sort it to zero. Plus adds room for income that has become a regular habit.

Free plan

$0for as long as you like

Everything you need to give each payment a place. Complete on its own.

  • Log every payment as it lands
  • Assign it to a basic set of categories
  • Watch what is left to sort land at zero

Plus

$9a month, billed monthlyor $90 a year, billed annually

For new income that has become a regular habit and wants more structure.

  • Everything in Free
  • More categories than the basic set
  • Saved category templates for recurring income sources
  • A monthly summary of your allocations across a longer history

The rules, in plain words.

What you pay, what happens when you stop, and what Nilvo never does, on either plan.

  • Plus is $9 a month, or $90 a year.

    Monthly bills once a month and annual bills once a year, each until you cancel. Annual works out to $7.50 a month, two months free. Free has nothing to pay.

  • Cancel Plus any time.

    Cancel Plus in your account at any time. Plus keeps working through the last day you paid for, the end of your month or your year, then your account returns to Free with your logged payments kept. Canceling annual Plus partway through the year does not refund the months left.

  • Free stays free, for as long as you like.

    Logging payments, assigning them to a basic set of categories, and landing at zero are all on Free. It is complete on its own, not a trial.

  • Your records run your account, and nothing else.

    The payments, amounts, and categories you log are used only to run your account and show your balances and summaries. Nilvo does not sell or share your records for marketing.

  • Your money stays where it is.

    Nilvo never holds, moves, or connects to money, and it never asks for a bank login. It is not a bank, lender, payment processor, or money transmitter.

  • The amounts are yours to choose.

    Nothing in Nilvo is tax, legal, investment, or accounting advice. Nilvo tracks what you choose to set aside; it does not tell you what you owe.

  • Texts are tips, and only if you ask.

    If you opt in at the foot of any page, Nilvo texts you tips for tracking new income. Opting in is never required, on either plan. Message frequency varies. Message and data rates may apply. Reply STOP to cancel, HELP for help.

Every rule above is written out in full in our Terms and Privacy Policy.