Everything you need to manage money and life
Nivora was born from a simple realization: everyday life doesn’t fit into neat single-purpose silos. People run households, manage small shops, lend to friends, organize to-dos, and juggle receipts.
The Challenge We Set Out to Solve
Most existing financial apps force a false choice: either an oversimplified consumer budgeting app that can’t handle business ledgers, or an expensive, bloated accounting software that requires a degree to operate.
Meanwhile, millions of small merchants, freelancers, and families track debts on paper notebooks (khata books) and manage their tasks in disparate apps. We built Nivora to unite these worlds:
- Multi-Book Ledgers: Keep your shop and household finances completely separate under one login.
- Customer & Friend Khata: Accurately track Lend, Borrow, Pay, and Receive debts with zero confusion.
- Integrated Productivity: Link daily tasks, Kanban projects, and notes directly to your financial goals.
Engineering Values: Offline-First & Private
We believe great software must be reliable in the real world. In areas with intermittent internet connectivity, Nivora doesn’t block you — transactions, notes, and task updates save locally and synchronize smoothly when you’re back online.
Furthermore, your financial data is strictly yours. We do not sell user profiles, we do not run third-party advertising trackers, and our receipt OCR runs entirely on dedicated server infrastructure without sending your documents to external AI vendors.
Work locally anytime without losing access to your ledgers.
Zero advertising networks or data-broker profiling.
Consistent features across modern desktop browsers and mobile devices.
Our Core Principles
The four pillars that guide every feature we ship.
Bank-Grade Security
HttpOnly session cookies, CSRF double-submit protection, and PBKDF2 password hashing safeguard your account against unauthorized access.
Blazing Fast UX
Built with modern Angular and minimal APIs to deliver instantaneous screen transitions, fast search, and fluid responsiveness.
Complete Data Portability
Your data belongs to you. Export full JSON or Excel archives at any time without arbitrary export restrictions or lock-in.