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Nemonix
Your money, finally making sense. Bills, budgets, debt, and business - all in one place. No judgment, no jargon, just clarity.
Track every bill and never miss a due date
See exactly where your money goes each month
Watch your debt shrink with avalanche payoff
Log business expenses and mileage on the go
Connect your bank and sync automatically
Already have an account? Sign in
NOT SURE YET? TRY A DEMO
Personal is for households - bills, income, debt, and spending. Pro adds the business layer - expenses, mileage, P&L, and reimbursements for freelancers and small business owners. Family combines two people's finances into one shared, read-only view. Elite is for companies - real-time employee expense tracking and an admin dashboard.
Not sure? Start with Personal. You can always upgrade.
Your money is already moving - let's at least keep track of where it's going.
Balances sync automatically. Bills, income, and debt payments are checked against your bank activity.
Paycheck Countdown
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Days Until Payday
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Expected Paycheck
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Bills Due Before Then
Your Breakdown
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Household Dashboard
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Company
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Bills Paid - Last 6 Months
Bills Paid
This Week vs. Next Payday
Safe To Spend Today
What's Coming Up
← swipe left on a bill to mark paid
Biz 50%= this bill is flagged business-deductible, with the % shown being the business-use share that counts on your Tax tab
Tracked Debts
Payoff Calculator
Payoff Calculator
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Total Debt
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Debt-Free Date
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Interest Saved Vs Min
Extra Monthly Payment
Add interest rates to your debts for the most accurate payoff timeline
Pay those debts off and something good might happen. We're just saying... we're very mysterious.
This calculator is an estimate for planning purposes only and is not financial advice. Consult a qualified professional before making financial decisions.
All Cards
Total balance$0.00
Total limit$0.00
Utilization0%
Your Cards
Pay in full every month? Great — a $0 balance here is just normal, not a milestone. This tab is for tracking what you owe on revolving credit, not paying it off for good.
Budget Health Score
0-100 rating of how well your spending aligns with your income
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0-49 - Needs attention|50-69 - Getting there|70+ - On track
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Income
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Spent
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Left Over
Budget Goals
No goals set yet. Tap "Edit goals" to set monthly spending targets per category.
Spending By Category
Top Merchants This Month
Month Over Month
Tax Deductible Log
YTD Deductible Total
$0.00
Estimated deductible expenses logged this year
This is an estimate for your own tracking and is not tax advice. Consult a qualified tax professional before filing.
Self-Employment Tax Estimate
Est. Business Net Income
Net Business Income (YTD)$0.00
Self-Employment Tax (15.3%)$0.00
Quarterly Estimate$0.00
SE tax is estimated at 15.3% of 92.35% of your year-to-date net business income (from the Biz tab P&L). This does not include federal/state income tax - consult a tax professional for your actual estimated payment.
Quarterly Due Dates
Potential Deductions
Bank purchases that look tax-deductible based on their category - medical, childcare, donations. Confirm the ones you want logged.
By Category
All Entries
Not tax advice. Consult a qualified tax professional.
Business Expenses
P&L Summary
Business Income$0.00
Total Expenses$0.00
Mileage Deduction$0.00
Net Profit$0.00
Est. Taxable Income$0.00
Potential Write-offs
Personal-card purchases that look tax-deductible based on their category. Confirm the ones that were actually for the business.
Business Bills
Bills from your Bills tab flagged business-deductible. The % shown is the business-use share that counts on your Tax tab - manage these in Bills.
From Your Bank
Transactions from your connected card. Mark the ones that were actually for Nemonix as business expenses.
Expenses
Mileage Log
Reimbursements
IRS mileage rate: $0.70/mile (2026)
Invoicing, customers and vendor bills are managed from the Admin Dashboard now — shared across the company, not tied to one person's app screen. Owners and admins can create and send invoices, track A/R and A/P, and manage customers/vendors there.
Send invoices, track who owes you, manage vendors and bills, and log contractor payments - $9.99/mo per business ($7.99/mo if you already have Family).
Business Profile
Not set up yet
Add your business name, logo and contact info so invoices and statements go out branded — plus any custom fields specific to how you work (e.g. "Claim #", "PO Number").
Accounts Receivable
A/R Aging
Current$0.00
1-30 days late$0.00
31-60 days late$0.00
61-90 days late$0.00
90+ days late$0.00
Customers
Invoices
Accounts Payable
A/P Aging
Current$0.00
1-30 days late$0.00
31-60 days late$0.00
61-90 days late$0.00
90+ days late$0.00
Vendors
Bills
1099 Summary
By contractor,
Contractor Payments
The IRS 1099-NEC filing threshold is $600 per contractor per calendar year.
Add bill
When set, Nemonix checks that specific account/card's activity to verify this bill actually got paid instead of just trusting the due date.
What share of this bill is for your business - a phone or internet bill split 50/50 between personal and business is common. Only this percentage of the amount counts toward your Tax tab and shows in the Biz tab.
Marks this as owed together (a joint utility, a shared subscription) so it's labeled that way on the family dashboard instead of looking like just yours.
Add income source
Set this so we can verify each paycheck lands on time against your bank activity, and so the Outlook tab knows when your next payday is.
No fixed paycheck needed - we average your logged deposits over this many days to estimate your available income. Log deposits from the income card once this is saved.
Marks this as household income (e.g. a joint account deposit) so it's labeled that way on the family dashboard instead of looking like just yours.
Add debt
What you owed when you started paying this down - used to calculate the progress bar. Leave as-is unless it looks wrong.
Marks this as owed together (a joint mortgage, a shared card) so it's labeled that way on the family dashboard instead of looking like just yours.
Link this debt to its own account and we'll pull the real balance from your bank instead of guessing from payments.
Add card
Link this card and we'll pull the real balance, limit, due date, and minimum payment from your bank instead of you keeping it updated by hand.
The checking account you pay this card's statement balance from - Nemonix verifies the statement payment actually posted there instead of assuming it did once the due date passes.
Log A Payment
Move to folder
Are You Sure?
Mark as paid?
Edit Profile
This is your sign-in name shown in greetings, invites, and the admin dashboard. Your sign-in email can't be changed here.
Choose A Theme
Settings
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Edit ›
Nemonix is a tracking tool, not a financial, investment, tax, or legal advisor. Information shown in the app is for your own planning and is not professional advice. See Terms of Service for details.
What's New
Alerts
Home Screen Icon
Pick your icon. Tap "Set Icon" then re-add Nemonix to your Home Screen to apply.
iOS requires re-adding to Home Screen after changing icon
Language
Choose the language Nemonix displays. Your own bills, transactions, and notes are never translated.
Bank Connection
Household
Kid Settings
Quest Board
Savings Goals
Spending Requests
Net Worth
$0
Total Assets
$0
Total Debts
$0
Net Worth
Security
Keep a personal backup of everything in your account - handy if you switch devices or just want peace of mind.
Bill Reminders
Account Tier
Preview Mode
See the app exactly as a Personal, Pro, or Elite user would — without touching your real account, data, or tier. Resets automatically when you close the app.
Log tax deductible expense
Move to folder
Add Business Expense
Paid on personal card but it's a business expense
Automatically log this expense again each period
Log Mileage
Add Reimbursable
Add Customer
New Invoice
Total$0.00
Business Profile
This appears on every invoice, credit/refund statement, and (soon) internal document you generate. Custom fields let you adapt Nemonix to your line of work — they show up on the invoice form and, when you turn on "show on invoice," on the PDF/email too.
For best results: a square or near-square PNG with a transparent background, at least 300×300px. Keep it simple — it prints small (about 1.5" wide) at the top of invoices and statements. Must be a direct link to the image file (ending in .png/.jpg), publicly accessible, and hosted somewhere that allows cross-origin loading — a link to a web page or a private/login-gated file won't work. JPEG works too but won't support transparency; SVG and WEBP aren't supported.
Add Vendor
Log a Bill
Log a Payment
Help & FAQ
Welcome
DEBT FREE!
Budget Goals
Set a monthly spending target for each category. We'll show you how close you are as the month goes on.
Paycheck Countdown
Set up your paycheck schedule and we'll always show you how many days until payday and what's due before then.
Add Asset
Add things you own that have value. Your debts are already tracked - this is for assets like savings, home equity, investments, vehicles.
Marks this as owned together (a house, a joint savings account) so it's labeled that way on the family dashboard instead of looking like just yours.
Reset & Sign Out?
This will erase all your data and return to the welcome screen. Make sure to export your data first if you want to keep it.
