One place for money, people and plans.
From your daily expenses to the bills you share, Nivora brings the essentials into a clearer, simpler workflow. Start with what matters today, then explore more when you need it.
This diagram explains a workflow; it is not a product screenshot or an automatic payment.
The money features you'll use most
Record what happened, understand the balance, and keep shared costs simple.
Know where your money goes.
Record income, expenses and transfers across your accounts and books. Find the transaction and balance you need without connecting your bank.
Split bills. Keep every share clear.
Record a shared expense, divide it equally or with exact amounts, and review what each person owes in your people ledger. Repayments are recorded manually.
Keep business and people balances organized
Separate different purposes without losing sight of what you owe or are owed.
Business Expense Management
Keep shop and personal finances in different books, with their own accounts, transactions and statements.
Explore featureLend & Borrow Tracker
Record money lent or borrowed, review each person’s balance, and log Pay or Receive entries when you settle up.
Explore featureMake room for everything else in life
Keep upcoming tasks, thoughts and bills together without switching between unrelated tools.
Planner & Kanban
Organize daily tasks and projects in boards, track progress and keep important to-dos together.
Explore featureQuick Notes
Keep checklists, quick thoughts and tagged notes within reach when you need them.
Explore featureBill Reminders
Review recurring expenses and upcoming bills so important dates are easier to track.
Explore featureSharing money with someone?
Choose a guide that looks like your everyday situation.
Keep household costs fair and clear
Make shared bills and partner balances easier to review.
Explore couples guide ROOMMATESSort rent, utilities and groceries
Know who covered what in your shared home.
Explore roommates guide GROUPS & TRIPSBring everyone's expenses together
Keep the record of payers, shares and repayments in one place.
Explore groups guide