Nemonix is a free personal finance app that tracks your bills, budget, and debt, checks your bank to confirm payments actually went through, and grows with you into shared household finances or small business invoicing. Built for real people, not financial analysts. Free to start.
"Most finance apps were built for people who already have it figured out. We built Nemonix for everyone else - the people juggling bills, working toward something, and just trying to keep up."
- Josh Aultman, Founder
Clarity Over Complexity
We strip out everything that doesn't help you understand your money better. No jargon, no noise.
No Judgment, Ever
Times are hard. We built this to help, not to make you feel worse about where you are.
Your Data Is Yours
We don't sell your information. We don't share it. Your financial life stays private.
What's Included
Everything you need. Nothing you don't.
Nemonix Personal is free forever. No hidden fees, no feature locks on the things that actually matter.
Bill Tracker
Every recurring bill in one place. Swipe to mark paid. AutoPay logs itself on the due date.
Income Tracker
Log every income source with pay frequency. See your real monthly average, not just your paycheck amount.
Debt Payoff Calculator
Avalanche or snowball - pick your strategy, see your exact freedom date, and watch the progress bar move.
Bank Sync
Connect your bank via Plaid and your transactions appear automatically. See spending by category, merchant, and month.
Bank-Verified Payments
Marking a bill paid is not just picking a due date. Tap Verify and Nemonix checks it against your real bank activity, logs the exact date it cleared, and flags anything that should have drafted but did not - so a declined card never hides behind a bill that only looks paid.
Budget Health Score
A 0-100 score showing how well your spending aligns with your income. Honest, not harsh.
Net Worth Tracker
Add assets, subtract debts, see your real net worth. Updated every time you make a change.
Tax Deduction Log
Log deductible expenses all year. Export a CSV for your accountant at tax time. Never scramble in April again.
Paycheck Countdown
How many days until payday, how many bills are due before then, and your projected balance after they hit.
Budget Goals
Set monthly spending targets by category. Watch progress bars fill up. Get a nudge when you're getting close.
Pricing
Simple, honest pricing.
Personal is free forever. Family covers the whole household. Pro unlocks invoicing and P&L for any business you run. Elite is built for companies. Click any plan to see the full details.
Running more than one business? Ask us about Nemonix Entrepreneur - our multi-business tier, currently in early development.
Personal Plan · Free
The foundation, free forever.
Nemonix Personal is completely free, no trial period and no credit card required. It's everything a single person needs to actually understand their money: bills, income, debt, and a real picture of where they stand, all in one place.
Bill Tracker
Every recurring bill in one place, with AutoPay marking itself paid on the due date.
Debt Payoff Calculator
Avalanche or snowball - see your exact debt-free date and watch it move.
Bank Sync via Plaid
Connect your bank and see transactions by category, merchant, and month automatically.
Net Worth Tracker
Assets minus debts, recalculated the moment anything changes.
Optional Pro Add-on - what's included? ›
Run a small business? Add Pro for $9.99/mo without entering a card for the rest of your account.
Nemonix Family is for households who want one shared picture of their money instead of comparing notes at the end of the month. Invite up to 5 household members with a join code - everyone keeps their own login, and budgets, bills, and net worth are shared automatically between them. The account owner chooses whether members can submit entries for review or edit everything directly.
Shared Budget & Spending
Everyone in the household sees the same categories and spending in real time - no more comparing spreadsheets.
Joint Bill Tracking
Add a bill once and the whole household sees it. Verify checks it against real bank activity instead of just the due date you set, so everyone sees who actually paid it and on what day.
Combined Net Worth
Assets and debts from every member roll into a single household net worth number.
Owner-Controlled Access
Invite up to 5 members with a join code, and choose submit-only or full shared editing for the household.
Household Deduction Tagging
Tag deductible household expenses - childcare, home office, medical - in one shared log.
Kid Seats
Give each child their own simplified account, with you in full control. You choose which features each kid gets, and kids never see your household bills, debts, or dashboard.
Chores & Allowance
Assign chores with a dollar amount, one-time or recurring. When your kid marks one done and you approve it, the money is logged to their account as allowance automatically.
Savings Goals
Turn on savings goals so your kid can name what they are saving for and watch their progress grow, one goal at a time.
Spending Requests
Kids ask before they spend. Set an approval threshold, and anything over it lands in your queue to approve or decline, so every purchase becomes a conversation.
Age Tiers
Set each child's age tier - 4 to 7, 8 to 11, or 12 and up - as a starting point for how their account is shaped. Every feature stays its own switch that you control. Age-matched Home screens are rolling out next.
Tickets & Challenges Coming soon
Kids earn tickets for the chores and challenges you create, save them up, and cash them in for real rewards at a rate you set. Tickets are a record of effort, never a debt - nothing is ever owed.
Built-In Saving Coming soon
Choose a share of everything your kid earns to set aside as savings, then check in weekly or monthly to move that amount into a real savings account for them. You only ever fund what they earned.
Optional Pro Add-on - what's included? ›
Running a business on the side? Add Pro to your Family account for $7.99/mo, discounted since you're already paying for Family.
Pro Plan · $9.99/mo standalone, $7.99/mo with Family
The business layer, for any business you run.
Pro attaches to any account - Personal or Family - and unlocks the full business layer for freelancers, consultants, and small business owners: invoicing, accounts receivable, vendor bills, profit and loss, contractor 1099 tracking, and a self-employment tax estimate. It's $9.99/mo on its own, or $7.99/mo when your account is already on Family - one purchase per business you own.
Invoicing & A/R
Create invoices, download a PDF or email one straight to your client, track who owes what with automatic aging, and get paid online with a built-in payment link - no separate invoicing app needed.
Business Expense Tracker
Log every business expense with automatic deductibility flagging by category.
Mileage Log at IRS Rate
Track business miles and see your deduction calculated automatically.
Vendors & Accounts Payable
Log vendor bills and see what you owe and when, with the same aging view A/R gets for what's owed to you.
P&L Summary
A real profit and loss view of your business, pulling from actual paid invoices and expenses. Filter by month, quarter, or year, and export a clean PDF for your CPA.
Contractor 1099 Tracking
Log payments to contractors and get an automatic per-contractor annual total, with an alert at the $600 IRS filing threshold.
Self-Employment Tax Estimate
See your year-to-date business net income, an SE tax estimate, and quarterly IRS due dates - right in the Tax tab.
Custom App Icons
Unlock extra home-screen icon colors and pick your favorite from Settings - your app, your look.
Real-time visibility for you. A free app for them.
Nemonix Elite is built for companies. The Elite Starter plan is $49.99/mo and includes your first 3 employee seats - every additional seat is $19/mo, with no volume cap for larger teams. Every seat also gets a full free Personal account, kept completely private from the company.
Real-Time Expense Dashboard
See every work expense the moment it's submitted, filterable by employee, category, or status.
Approval Queue
Reimbursement requests appear instantly - approve or deny with one tap.
Complete Data Separation
Personal and work data live in separate tables with separate access rules - not just a policy promise.
Free Personal Tier For Every Seat
Each employee gets a full free Personal account bundled in, private from their employer.
Company Invoicing & A/R
Send professional invoices, track who owes the company with automatic aging, and get paid online - across your whole client list, not just one freelancer's.
Profit & Loss For The Company
A real profit and loss statement pulling from company invoices and expenses. Filter by month, quarter, or year, and export a PDF for your accountant.
For a lot of people right now, "tough" doesn't quite cover it. We're committed to building tools that help - and to doing something real for the communities that need it most.
Community First
A portion of Pro, Family, and Elite revenue goes toward helping people access basic essentials like food, shelter, and other daily necessities, because everyone deserves them. That's where we're starting, and we'll grow the outreach into new programs and areas from there.
Debt Freedom Rewards
Pay off a debt and something good happens. We're building a program where major milestones get recognized - because that moment deserves to be celebrated, not just logged.
Success Stories
Coming soon - a verified wall of real people who paid off real debts using Nemonix. Opt-in, anonymous if you want, and genuinely inspiring. Your win could be someone else's motivation.
What People Are Saying
Real feedback from real early users.
We're just getting started. These are the people who helped shape what Nemonix became.
"Finally an app that doesn't make me feel like I'm failing at adulting. The debt tracker actually made me want to keep going."
Early beta user - Mississippi
"The avalanche vs snowball explanation alone was worth it. I never understood why one was better than the other until I saw it laid out like this."
Early beta user - Tennessee
"I showed the admin dashboard to our CFO and she asked when we could start. That's the reaction I was hoping for."
About Nemonix the company and product - not the app itself. For in-app help, use the Help button inside the app.
There's no catch. Personal tier is free forever - no trial period, no feature expiration, no credit card required. We make money when users add Pro ($9.99/month, or $7.99/month with Family) or Family ($14.99/month), or when companies purchase Elite seats. The free tier exists because we genuinely believe everyone should have access to good financial tools regardless of what they can afford.
Family is for up to 5 people in a household managing money together - a shared budget, shared bills, and one combined net worth. Elite is for companies - it adds seat management, an admin dashboard, and an approval queue for employee work expenses. Family has no admin or approval features, and Elite doesn't merge personal budgets between seats.
Yes. Pro is a standalone add-on - $9.99/month (or $99.90/year) on Personal, discounted to $7.99/month (or $79.90/year) if your account is already on Family. Either way you get the full business layer: invoicing, A/R, vendors, P&L, contractor 1099 tracking, and a self-employment tax estimate. It's billed separately and you can cancel it anytime without affecting the rest of your account.
Yes. Your data is encrypted in transit and at rest. We use Supabase for database storage with row-level security - meaning your data is only accessible to you, not to other users or even our support team. Bank connections are handled by Plaid, the same service used by Venmo, Coinbase, and thousands of other financial apps. We never see your banking credentials and we cannot move money on your behalf.
Nemonix was founded by Josh Aultman in Hattiesburg, Mississippi. It started as a personal project to solve a real problem - managing household finances, business expenses, and debt in one place without juggling multiple apps. The goal was never to get rich quick. It was to build something genuinely useful for people who need it.
No. We do not sell your personal information to third parties, advertisers, or data brokers. Ever. Your financial data is used only to provide the Nemonix service to you. See our Privacy Policy for full details.
Nemonix Elite is built for companies that want to give employees a real financial tool while also tracking work expenses in real time. Employees get a free Personal account bundled with their work account - their personal finances stay completely private from their employer. The employer gets a dashboard showing all work-related expenses as they're submitted. It's the first product of its kind that solves both sides of the problem in one app.
Nemonix currently runs as a Progressive Web App (PWA) - meaning you can add it to your home screen from Safari on iOS or Chrome on Android and it behaves like a native app. A dedicated iOS and Android app is in development and will be available on the App Store and Google Play. Users who sign up now will have their accounts ready when the native apps launch.
Yes, anytime. No contracts, no cancellation fees. If you cancel Pro or Family, you keep access through the end of your current billing period and then revert to the free Personal tier (with Pro features removed). Your data stays intact.
Reach out through the contact page or visit the Elite page and we'll set up a conversation. We'd love to show you a live demo of both the admin dashboard and the employee experience.
Ready to actually understand your money?
Free to start. No credit card. Your data is encrypted and stays yours.
One business layer. Two prices, depending on your account.
Pro is a standalone add-on that attaches to any account and unlocks the same full business layer either way - the only thing that changes is the price, based on whether you're already paying for Family.
Personal + Pro
$9.99/mo
or $99.90/yr · standalone, attaches to a free Personal account
Invoicing, A/R & online payments
Business expense tracker & mileage log
Vendors & accounts payable
P&L summary, exportable
Contractor 1099 tracking
Self-employment tax estimate
Best for: a freelancer or solo owner who doesn't need a shared household view, just the business layer.
Family + Pro
$7.99/mo
or $79.90/yr · on top of Family's $14.99/mo · same Pro features
Everything in the standalone Pro add-on
Plus your household's shared budget, bills & net worth from Family
Best for: a household already on Family where one (or both) partners also run a business - like two spouses filing jointly who each own a separate company.
Why two prices instead of one? Pro always costs $9.99/mo on its own. If your account is already paying for Family ($14.99/mo), Pro drops to $7.99/mo - a $2 discount for being an existing Family subscriber, not a separate deal. The discount never brings the combined price below what Pro costs standalone, and it doesn't require being a literal family - Family is about sharing a financial view, and Pro is about running a business, and the two can combine on one account.
