Your money,finally making sense.
Now with live bank sync via Plaid
Your money,
finally making sense.Bills, budgets, debt payoff, and business expenses - all in one place. Built for real people, not financial analysts. Free to start.
Get started free Try the demo first
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Our Mission
"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.
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. Business unlocks invoicing and P&L for any business you run. Elite is built for companies. Click any plan to see the full details.
- Bill tracking with AutoPay
- Income tracker
- Debt payoff calculator
- Bank sync via Plaid
- Budget health score
- Net worth tracker Get started free
- Invoicing, A/R & online payments
- Business expense tracker
- Mileage log at IRS rate
- Vendors & accounts payable
- P&L summary
- Contractor 1099 tracking
- Self-employment tax estimate Add Business
- Up to 5 household member accounts
- Shared budget & spending
- Joint bill tracking
- Combined net worth
- Household deduction tagging
- Linked, private from Work accounts \+ Add Business for $7.99/mo i Start Family plan
- Admin dashboard
- Real-time employee expense tracking
- Approval queue and reimbursements
- Company invoicing, A/R & P&L
- +$19/mo per seat beyond the first 3
- Free Personal tier for every employee
- Complete personal/work data separation Learn more about Elite
- Invoicing, A/R & online payments
- Business expense tracker & mileage log
- Vendors & accounts payable
- P&L summary, exportable
- Contractor 1099 tracking
- Self-employment tax estimate
- Everything in the standalone Business add-on
- Plus your household's shared budget, bills & net worth from Family
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 Business Add-on — what's included? ›
Run a small business? Add Business for $9.99/mo without entering a card for the rest of your account.
Get started free Compare all plans
Family Plan · $14.99/mo or $149/yr
Built for your household, not just two people.
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, swipes it paid, and gets reminders.
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.
Optional Business Add-on — what's included? ›
Running a business on the side? Add Business to your Family account for $7.99/mo, discounted since you're already paying for Family.
Start Family plan Compare all plans
Business Add-on · $9.99/mo standalone, $7.99/mo with Family
The business layer, for any business you run.
Business 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.
Add Business Compare all plans
Elite Plan · $49.99/mo, first 3 seats included
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.
Real screens from a live Elite account — click to walk through the full product →
See the full Elite page Request a demo
Community & Giving Back
Built to help people,
not just track money.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."
Pilot company contact
Frequently Asked Questions
Questions we get a lot.
About Nemonix the company and product - not the app itself. For in-app help, use the Help button inside the app.
Is Nemonix really free? What's the catch? ▾
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 Business ($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.
What's the difference between Family and Elite? ▾
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.
Can I get business tools without a shared Family account? ▾
Yes. Business 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.
Is my financial data safe? ▾
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.
Who is behind Nemonix? ▾
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.
Do you sell my data? ▾
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.
What is Nemonix Elite and who is it for? ▾
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.
Is there a mobile 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.
Can I cancel my subscription anytime? ▾
Yes, anytime. No contracts, no cancellation fees. If you cancel Business or Family, you keep access through the end of your current billing period and then revert to the free Personal tier (with Business features removed). Your data stays intact.
How do I get Nemonix Elite for my company? ▾
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.
Get started free Nemonix Elite for Business
✕
Business Add-on, Explained
One business layer. Two prices, depending on your account.
Business 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 + Business
$9.99/mo
or $99.90/yr · standalone, attaches to a free Personal account
Best for: a freelancer or solo owner who doesn't need a shared household view, just the business layer.
Family + Business
$7.99/mo
or $79.90/yr · on top of Family's $14.99/mo · same Business features
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? Business always costs $9.99/mo on its own. If your account is already paying for Family ($14.99/mo), Business 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 Business costs standalone, and it doesn't require being a literal family - Family is about sharing a financial view, and Business is about running a business, and the two can combine on one account.