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NALO: AI Money & Budget Track

NALO: AI Money & Budget Track

Smart Spending & Joy Score

14 ratings
12 reviews
🌟 Lifestyle
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • March 27, 2026
  • April 18, 2026

Features

Developer

Mamoon Nimer
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About

Gain a clear overview of your finances by connecting bank accounts to track income and spending. Understand your spending habits and identify opportunities for wealth growth with AI-powered insights and a unique Joy Score.

✓Connect bank accounts
✓Track income and spending
✓AI financial coaching
✓Joy Score for spending analysis
✓Smart focus priorities
✓Rewards optimizer
✓Customizable themes
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What's New in NALO

1.1.3

April 18, 2026

Version 1.1.3 Calendar heat map view in the Spend tab. Tap the calendar icon to see your spending patterns across the month at a glance, with each day colored by spending intensity. Tap any day to see the transactions behind the total, now with the transaction count shown in the header. Stability and performance improvements throughout.

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Subscription plans

NALO Premium

AI coach, smart insights, all themes & charts.

$7.991 Month
14 Days trial
How to cancel NALO subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

NALO is genuinely the best budget app I’ve used

⭐⭐⭐⭐⭐

The AI financial coach is a game changer it actually reads your transactions and gives you real insights instead of just showing you charts. The Joy Score concept makes budgeting feel less like a chore. Clean design, super intuitive. Highly recommend!!
DopeAsYodaDopeAsYoda

Highly Recommend!

This app is phenomenal it has truly made managing my finances, budgeting, and spending tremendously! It is well structured and very easy to understand a lot of the other financial apps I have personally struggled with navigating. I think this app will truly outperform the others and I highly recommend it to anyone interested👍
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CatcCorneCatcCorne

Easy

It makes money stuff easy
BlindFarmerJoeBlindFarmerJoe

Amazing

This app is actually so useful and helpful for tracking spending and managing budgets. It helps keep me on track & I’ll recommend it to everyone
yzievansyzievans

Better than the others

I have used other finance apps for help monitoring subscriptions and such, this is by far the best. Simple UI and good setup
mustinaldmustinald
See 7 more reviews

FAQ

What is NALO's Joy Score?

NALO's Joy Score is a unique feature that allows users to tag transactions as 'joy', 'regret', or 'necessity'. Over time, this helps users understand which spending genuinely improves their life, contributing to a score from 0 to 100 that reflects intentional spending.

How does NALO help optimize credit card rewards?

NALO analyzes your spending habits and provides personalized recommendations on which credit card to use for different categories. Users can discover an average of $700+ per year in missed rewards by leveraging this feature.

Is NALO secure?

Yes, NALO uses secure encryption and data transmission through Plaid, the same infrastructure used by major financial services like Venmo and Robinhood. Your financial data is protected.

What features are free in NALO?

The core features of NALO, including the spending tracker, bank account synchronization, Joy Score tagging, and the safe-to-spend number, are available for free indefinitely.

What does NALO Premium offer?

NALO Premium unlocks advanced features such as the AI financial coach, weekly recaps, smart focus priorities, and other in-depth insights to further enhance your financial management.

What is the pricing for NALO Premium?

NALO Premium is available for $7.99 per month or $59.99 per year. A 14-day free trial is included, and you can cancel your subscription at any time.

What devices does NALO support?

NALO is designed for iOS devices, including iPhone, iPad, and iPod. It is rated for ages 4 and up.

How often is NALO updated?

NALO was last updated on March 27, 2026, with version 1.0. The release date was also March 27, 2026, indicating it is a new application.