NALO: AI Money & Budget Track

Smart Spending & Joy Score

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Meet your AI financial coach. Track spending, discover your Joy Score, and find hundreds in missed rewards. Free 14-day trial. Wealth is quiet. NALO gives you a complete picture of your money in one place. Connect your bank accounts, see every dollar you earn and spend, and finally understand whether your spending is making your life better — or just draining it. This is not another app that yells at you about budgets. NALO is calm, clear, and built for people who want to grow their wealth without the noise. YOUR MONEY AT A GLANCE See your net worth, income, and spending on one screen. Know exactly how much you can safely spend this week. Track your runway — how many months your savings would last if your income stopped tomorrow. AI FINANCIAL COACH Ask NALO anything about your money. "How am I doing this month?" "Where should I cut back?" "Am I spending more on food than last month?" Get real answers based on your actual transactions — not generic tips from a blog post. NALO adapts to how you like to talk: casual, direct, or detailed. JOY SCORE This is what makes NALO different. Swipe through your transactions and tag each one: joy, regret, or necessity. Over time, you see exactly which spending makes your life better and which doesn't. Your Joy Score is a single number from 0 to 100 that reflects how intentionally you spend. No other app does this. SMART FOCUS PRIORITIES Every week, NALO surfaces the three highest-impact actions you can take. "Your dining spend is 2.4x your grocery spend — shifting two meals a week to cooking could save $180/month." "You're paying $54.99/month for Adobe CC and haven't used it in 45 days." Real numbers, real suggestions, ranked by impact. SPENDING CHART & TRENDS Watch your spending curve in real time. Daily, weekly, or monthly views. See your income reference line. Scrub through time periods. Tap any transaction for details. Every purchase tracked, categorized, and tagged with merchant logos from your real bank data. REWARDS OPTIMIZER NALO analyzes your spending and tells you which credit card to use for every category. See exactly how much you're leaving on the table — and get personalized card recommendations based on your actual habits. Users discover an average of $700+/year in missed rewards. WALLET & ACCOUNTS All your accounts in one place. Checking, savings, credit cards, investments. See 7-day changes, upcoming bill alerts, and payment due dates. Connected securely through Plaid — the same infrastructure used by Venmo, Robinhood, and thousands of banks. 11 PREMIUM THEMES Make it yours. Six dark themes, five light themes. From NALO's signature black and gold to Swiss minimalism to soft sage green. Your financial app should feel as good as it works. PRICING Free to download. The spending tracker, bank sync, Joy Score tagging, and safe-to-spend number are free forever. NALO Premium unlocks the AI financial coach, weekly recap, focus priorities, and advanced insights. $7.99/month or $59.99/year. 14-day free trial included — cancel anytime. SECURITY Your data is encrypted and transmitted securely through Plaid, the same platform trusted by millions. NALO never stores your bank credentials. We don't sell your data. We don't show ads. Your financial life stays private. BUILT DIFFERENT NALO was built by a solo founder who got tired of finance apps that either oversimplify everything or overwhelm you with charts you'll never read. This app exists because your money deserves more than a pie chart and a guilt trip. Wealth is quiet. NALO keeps it that way. --- Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple ID account at confirmation of purchase. Manage and cancel subscriptions in your Apple ID Account Settings. Terms of Use: https://nalo.app/terms Privacy Policy: https://nalo.app/privacy

Ratings & Reviews

  • 5.0
    out of 5
    12 Ratings

The developer, Mamoon Nimer, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Contact Info
    • Identifiers
    • Usage Data

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Mamoon Nimer
Size
  • 105.7 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPad
    Requires iPadOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
Copyright
  • © 2026 NALO Finance LLC
  • Developer Website
  • Privacy Policy

    • Supports

    • Wallet

      The simplest way to get all your passes in one place.