# Nema : Budget & Money Tracker — AI Debt Plan, Bills & Savings

> AI Debt Plan, Bills & Savings (iPhone/iPad app by Mine Peksoz.)

- Source: https://appshunter.io/ios/app/nema-budget-and-money-tracker/id6787227218 (this page in markdown: same URL + `.md`)
- Developer: [Mine Peksoz](https://appshunter.io/developer/1883680872)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 34 MB
- Languages: American English, Brazilian Portuguese, Mexican Spanish, Turkish
- Released: 2026-08-15
- Data updated: 2026-08-25
- User reviews in markdown: https://appshunter.io/ios/app/nema-budget-and-money-tracker/id6787227218/reviews.md

## What is Nema?

Nema tracks your pace and tells you today where you'll land at the end of the month. See your card's statement date, payday and due date on a single timeline. Spending, debt, savings — all your finances on one screen.

WHAT NEMA DOES

Month-end projection: know instantly whether you'll finish the month ahead or behind at your current pace.
Card timing intelligence: statement close, payday and due date on one timeline, with your statement estimated in advance.
Budget & spending: category breakdown, daily spendable amount, income vs. expenses.
Calendar: bills, payments and your card cycle in a monthly view.
Shared budget: split fixed costs like rent fairly, tag who spent what, and see your own share in every projection.
Multi-currency: log expenses in any currency and Nema converts them to yours automatically.
Goals: give every goal a date and a roadmap.
Ledger: who paid, who owes — never lose track of shared expenses.
Investments: follow gold, currencies and stocks in one portfolio.
Widgets: your status on the lock screen, without opening the app.

MORE WITH NEMA+

Split Bills: split in seconds, log who owes what.
Scan Receipts: point the camera, the expense logs itself.
Import Statements: bring your bank statement as a PDF and Nema reads the transactions — no bank login, ever.
Debt Plan: AI calculates the fastest way out and your debt-free date.
Import & Export: bring your data in, take it out as CSV, whenever you want.

PRIVACY

No bank login required. You bring your data — you decide what to track. Nema+ subscription (weekly or yearly) unlocks the premium tools, starting with a 3 day trial. Prices are shown in the app. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel anytime in your App Store account settings.

Terms of Use: https://robust-innovation-450.notion.site/Nema-Terms-of-Use-39fb2eccc4c7805f8f3ef69535f98635
Privacy Policy: https://robust-innovation-450.notion.site/Nema-Privacy-Policy-39fb2eccc4c780dd91ecc319e33a48d5
Questions or feedback: https://robust-innovation-450.notion.site/Support-31eb2eccc4c7809283dac8d175849d19?source=copy_link

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Nema+ Yearly | $39.99 | per year |
| Nema+ Weekly | $2.99 | per 7 days |



## Version history (last 2 releases)

### 1.0.1 — 2026-08-21

Bug fixes and performance improvements.

### 1.0.0 — 2026-08-15

No release notes.

## More apps by Mine Peksoz

- [Yes Chef! — AI Meal Planner](https://appshunter.io/ios/app/yes-chef-ai-meal-planner/id6760295209)

All apps by Mine Peksoz: https://appshunter.io/developer/1883680872

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*