01+1
POSITIVE CASH FLOW
Finish the month with more eligible income than expenses.
A NEW MEASURE OF FINANCIAL PROGRESS
YOUR BUDGET TELLS YOU WHAT YOU SPENT. NERO GIVES YOU A SCORE WORTH IMPROVING.
Nero helps you plan, track, and improve your monthly cash flow while turning financial progress into a score you can actually work toward.
Answer 10 quick questions to see your estimated score.
Then create your account and start tracking the real thing.
57↑ +2
PROJECTED THIS MONTH
+1
WHAT IS NERO?
MORE THAN A BUDGET APP.
Most budgeting tools help you track what happened. Nero is designed around a different question: “How well am I actually creating cash flow?”
Nero Cashflow Score
A monthly score that rewards positive, consistent cash flow.
Bank connections
Securely link accounts through Plaid so transactions flow in automatically.
Nero AI
Ask questions, build a budget from your history, and clean up duplicates.
Household sharing
Invite a partner, share a workspace, and choose what stays private.
Planning & paychecks
Plan income and expenses, with paycheck targets and reserves.
Tax Center
Project your tax year from year-to-date income and spot missing data.
Insights & reports
Trends, investments, retirement, and monthly Excel exports.
Goals
Emergency funds, debt payoff, and custom goals tied to your surplus.
REVIEWS
What People Are Saying About Nero
Feedback from Nero’s founding beta users.
No published reviews yet.
Used the Nero prototype? Be one of the first to share honest feedback.
THE NERO CASHFLOW SCORE
TURN YOUR CASH FLOW INTO A SCORE.
Everyone starts at 50. Each month, your score can move from −3 to +3 based on clear, explainable cash-flow behaviors.
32
50
72
02+1
BEAT YOUR BENCHMARK
Compare your cash-flow percentage with Nero users in a similar income cohort.
03+1
STAY CONSISTENT
Build a history of positive cash-flow months.
MAXIMUM MONTHLY MOVEMENT
+3
Your Nero Score isn’t a credit score and it isn’t a measure of wealth. It’s designed to show the strength and consistency of your cash-flow habits over time.
HOW IT WORKS
ONE CLEAR MONTHLY RHYTHM.
01
PLAN
Build your expected monthly income and expenses.
02
TRACK
See what actually happens as the month progresses.
03
REVIEW
Categorize transactions and keep your financial picture accurate.
04
IMPROVE
Watch your projected cash flow and Nero Score change.
Track. Improve. Repeat.
INSIDE THE APP
NERO IS READY FOR YOU.
Connect your accounts, plan your month, ask Nero AI, share with your household, and watch your score move.
FREE · ABOUT 60 SECONDS
WHAT’S YOUR CASHFLOW SCORE?
Answer 10 questions. Get your estimated Nero Score in about 60 seconds.
No sign-up needed to see your estimate.
STAY CLOSE
NOT READY TO SIGN UP?
STAY IN THE LOOP.
Get occasional updates on new Nero features, tips, and launches.
Join the Nero founding waitlist
FOUNDER PORTRAIT
Photo space reserved
Emmanuel Arias
FOUNDER STORY
WHY NERO?
Nero started with a simple frustration: traditional budgeting tools can tell you where your money went, but they don’t always make improving your financial habits feel motivating. The idea behind Nero is simple — turn cash-flow improvement into measurable progress people actually want to continue.
TRUST & TRANSPARENCY
BUILDING NERO THE RIGHT WAY.
How Nero protects your money data today.
YOUR BANK PASSWORD DOESN’T BELONG TO NERO
Bank connections run through Plaid. Nero never sees or stores your bank login.
YOUR FINANCIAL DATA IS YOURS
Connect or disconnect accounts anytime, and control what a household member can see.
THE NERO SCORE IS EXPLAINABLE
Every score change shows exactly which factors moved it.
SECURITY BUILT IN
Authenticator-app protection for admin access, and peer benchmarks use anonymized aggregate data only.
FAQ