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Personal finance, reconciled

One calm command center
for your money.

Nexiora pulls every account, transaction and bill into one private, offline-first place — so your spending, your budgets and your net worth all stay quietly in order.

No credit card· Works offline· Your data stays yours
Net worth, assembled

Every asset and liability, resolved into one honest number.

Checking, savings, investments and your car at book value stack up. Your credit card and auto loan net against them. What's left is your real equity — recomputed, never guessed.

Assets$0.00
Checking$9,180.00
Savings$28,400.00
Investments$46,900.00
Car book value$17,300.00
Liabilities$0.00
Credit card balance$2,530.00
Auto loan outstanding$15,000.00
Net worth
$0.00
▲ 2.4%

What Nexiora does

The whole picture of your money — calm, private, and always current.

Four things, done properly: where your money goes, what you're worth, what's due next, and getting it all in without the data entry.

See exactly where your money goes

Every transaction lands in the right category, so your month reads at a glance. Set a budget per category and watch what's left — before you overspend, not after.

  • Spending grouped by category, ranked by size
  • Budgets with a live "left this month" bar
  • Savings rate tracked automatically

Know what you're actually worth

Assets minus liabilities, kept honest. Bank balances, investments and your car at book value on one side; your card and loan on the other. Nexiora computes the residual and tracks it over time.

  • A real balance sheet, not just account totals
  • Assets depreciate with straight-line book value
  • Monthly snapshots build a net-worth trend

Never miss a bill again

Every recurring payment in one list, sorted by what's due next. Urgency you can read at a glance, with a reminder before the date — mark it posted and Nexiora rolls it to next month.

  • Color-coded urgency for what's due soon
  • Reminders ahead of the due date
  • Mark posted and it advances automatically

Everything imports itself

Bring in transactions from bank statements, photographed receipts, and the texts your bank already sends. Nexiora structures each one and drops it into a review queue — nothing is saved until you approve it.

  • CSV and PDF statements, mapped and de-duplicated
  • Receipt photos read into a transaction
  • You review and approve before anything saves

The signature move

Your bank texts you. Nexiora logs it.

The moment your card is charged, your bank sends a text. Nexiora reads that text, turns it into a clean transaction, and waits for your nod. No app-switching, no typing.

  • 1The text arrivesA charge notification hits your phone, exactly as it always has.
  • 2It becomes a transactionMerchant, amount, category and date — parsed and ready.
  • 3You approve itOne tap confirms, and it lands in your ledger.
Texts reach Nexiora through a private token only you hold, are parsed deterministically on your data, and never save without your approval.

How it works

Three steps, then it mostly runs itself.

01

Capture

Import from statements and receipts, forward your bank texts, or add anything by hand. Everything flows into one place.

02

Review

New transactions wait in a queue. Check the category, tweak if needed, and approve — you stay in control of what's saved.

03

Know where you stand

Spending, budgets, bills and net worth update instantly — so you always know the answer without doing the math.


Everywhere you are

One synced source of truth, on every device.

Offline-first by design: it opens and works with no connection, then syncs quietly when you're back online.

Web

Open it in any modern browser and sign in. Nothing to install, always the latest version.

Installable app

Add it to your home screen on iOS and Android for a full-screen app with offline access.

Native desktop

A fast, native Windows app with a tray shortcut and a global capture bar — built for daily use.

Sign in once and your data follows you — the same accounts, budgets and net worth, kept in sync across every device.


Security & trust

Your finances, kept private by design.

Isolated at the database level

Row-level security means only your account can read or write your data — enforced by the database, not just the app.

Optional two-factor

Turn on an authenticator app so a stolen password alone can't reach your finances. Off by default, yours to enable.

Sync never overwrites silently

If two devices disagree, Nexiora asks — it merges or lets you choose. Your data is never quietly replaced.

Export everything, any time

One click gives you a complete JSON backup. It's your data — take it with you whenever you want.


Pricing

One plan. Everything included.

No tiers to decode, no features held hostage. Try it free for 14 days — no card required.

14-day free trial
Nexiora
$8 / month
Billed monthly. Cancel anytime.
  • Unlimited accounts & budgets
  • Net worth & full balance sheet
  • Bills & reminders
  • Statement, receipt & SMS import
  • Cloud sync across all your devices
  • Export everything, any time
Start free trial
No credit card to start · USD

Founding member — $6/mo for life, first 100 sign-ups.


Questions

The honest answers.

Does Nexiora connect to my bank?
There's no direct bank login. Instead, you bring transactions in yourself — from CSV or PDF statements, photographed receipts, or the charge texts your bank already sends. Every import lands in a review queue, so nothing is saved until you approve it. That keeps your banking credentials entirely out of Nexiora.
Does it work offline?
Yes. Nexiora is offline-first — it opens and works with no connection, and your data lives on your device. When you're back online it syncs quietly in the background, so the same accounts, budgets and net worth are ready on every device you use.
Is my data private?
Your finances are isolated at the database level with row-level security, so only your account can read or write your data. You can turn on two-factor authentication, sync never overwrites your data silently, and you can export a complete backup at any time. It's your money — and your data.
What does it cost?
One simple plan: $8 per month, or $79 per year (about 18% off). Everything is included — no locked features or tiers. You start with a 14-day free trial and no credit card. The first 100 members can lock in $6/month for life.
Which devices does it run on?
Any modern browser on the web, an installable app on iOS and Android (add to home screen), and a fast native app on Windows. Sign in once and everything stays in sync across all of them.

Put your money quietly in order.

Start your 14-day free trial today. No credit card, no lock-in, and your data stays yours.