Smart, effortless expense tracking that keeps you in control
Say goodbye to messy spreadsheets and unorganized receipts. Nivora delivers instant expense categorization, multi-currency accounts, and automated cash balance calculation.
Everything you need in an expense manager
Engineered for speed, mathematical accuracy, and complete financial peace of mind.
Real Account Balances
Every expense, income entry, and transfer immediately updates your real Cash, Bank, and Card balances with zero manual reconciliation required.
Custom Categories & Budgets
Organize spending across 40+ system categories or create your own. Set monthly category spending caps and watch real-time progress bars.
Receipt Attachments & OCR
Attach up to 5 receipt images or invoices per transaction. Built-in OCR detects transaction details automatically for fast, audit-ready record keeping.
Clean Account Transfers
Moving money between checking, savings, or cash? Transfers cleanly debit one account and credit another without counting as duplicate expenses.
Offline-First Architecture
Track your spending anytime, anywhere. Nivora caches transactions offline and synchronizes reliably when connectivity returns.
Built-In Calculator
Do math right inside the transaction entry form with our responsive four-function calculator supporting physical keyboard input.
Designed for everyday life & small businesses
Whether managing family budgets or small shop expenses, Nivora adapts to your exact workflow.
Daily Budgeting & Goals
Keep track of grocery runs, utility bills, and discretionary spending with clear monthly net summaries and automated savings goals.
Project Invoicing & Expenses
Track project-related spending, attach digital invoices, and export comprehensive Excel/CSV reports ready for tax season.
Shop Cash Flow
Maintain a dedicated shop book separate from your household finances. Monitor daily cash drawers and recurring supplier costs effortlessly.
Frequently Asked Questions
Common questions about Nivora’s expense tracking features.
How does Nivora track income, expenses, and transfers?
Nivora uses an accurate balance model where every expense debits an account, income credits it, and transfers move funds between accounts without distorting total net worth.
Can I attach receipts to my expenses?
Yes. You can attach up to 5 receipts or documents per transaction. Nivora processes receipt text via open-source OCR without sending your data to third-party advertising networks.
Can I export my transactions to Excel or CSV?
Absolutely. Nivora includes one-click Excel (.xlsx) export and a smart CSV import wizard with automatic column mapping.