Choose a book and account
Keep personal and business records separate with books. Select the cash, bank or other account that the transaction belongs to.
EVERYDAY EXPENSE TRACKING
Know where your money goes. Keep every entry clear.
Record what you earn, spend and transfer in Nivora. Organize transactions with categories, accounts and books, then review your balances whenever you need them.
Manual, reviewable entries No bank connection required
One expense, recorded clearlyIllustrative example · USD
GroceriesExpense · Cash · Household
−$120.00CategoryFood & groceries
Balance before$950.00
Balance after$830.00
Explanatory sample, not a screenshot of an account. Your balances depend on the transactions you record.
From a purchase to a clear record in three steps
Capture the details once, then find them again when you need to understand your spending.
Record the money movement
Choose Expense, Income or Transfer, enter the amount and category, and add a description or receipt when helpful.
Review balances and trends
Search and filter transactions, check account balances, or explore spending insights and budgets for the period.
ONE PLACE FOR EVERY ENTRY
Spending, income and transfers — clearly distinguished.
Use one transaction history while keeping each type's meaning clear. An account transfer moves money between your accounts; it is not a new expense.
Need to split an expense with someone?Example transaction historyIllustrative · USD
GroceriesExpense · Food & groceries
−$120Freelance paymentIncome · Work
+$500Cash to savingsTransfer · Between accounts
$200The examples above are explanatory, not real user data or application screenshots.
More than a list of expenses
Keep useful context close to every entry, then review the bigger picture without combining unrelated records.
Categories and filters
Choose the right category, add tags, and filter your transaction history by type, account, category or date.
Receipts and context
Attach supporting receipts or documents when recording a transaction, alongside descriptions and other useful details.
Calculator at entry time
Use the transaction form's calculator when working out an amount before saving it.
Budgets and insights
Set spending limits for categories or accounts and review income, expenses and category breakdowns in reports.
KEEP PURPOSES SEPARATE
Explore business books One account. Separate books for different parts of life.
Organize a personal book alongside a shop or household book, each with its own records. A book's currency is chosen when that book is created.
Expense tracking questions, answered
Does Nivora connect to my bank?
No. You enter income, expenses and transfers yourself, so you can manage your records without linking a bank account.
Can I move money between my accounts?
Yes. Record a Transfer between accounts rather than counting that movement as another expense.
Can I save receipts with an expense?
Yes. The transaction form supports receipt attachments, plus a description, date and category.
Can I review past spending?
Yes. Search and filter transaction history, explore reports and review category budgets for your book.
Want to learn the workflow? Read How It Works or browse all FAQs.