Choose your book
Create a free account and organize expenses in a book, such as Personal or Household. Use separate books when you want separate records.
YOUR MONEY, SIMPLIFIED
How Nivora Works
Go from scattered expenses to a clear picture of your money. Record what you spend, split bills with people, and review what is owed — without connecting a bank account.
Manual, reviewable entries Personal or shared spending
HOW A SPLIT ADDS UPIllustrative example only
Weekend dinner$90.00One person records paying the full bill
YYou$30
AAlex$30
SSam$30
Alex + Sam owe you$60.00
The example is explanatory, not a screenshot of an account. Nivora records balances; it does not transfer money.
THE BASICS
Three steps to a clearer picture
Start simple. Add the detail you need as your personal or shared finances grow.
Record what happens
Add an expense, income or account transfer. For a shared bill, select people and split the total equally or enter each person's exact amount.
Review and settle up
See transactions, account balances and per-person records. When someone repays you, record that settlement to keep your ledger accurate.
CHOOSE YOUR PATH
One place for everyday money and shared bills
Track your own spending, or keep a transparent record of group expenses. Both start with a transaction.
PERSONAL MONEY
Know where your money goes
Use your book and accounts to organize daily spending without relying on automatic bank imports.
- Choose an account and category.
- Record an expense, income or transfer.
- Review entries and balances when you need them.
SHARED EXPENSES
Keep every person's share clear
When one person pays a bill, create a split so you can review what each participant owes.
- Record the total expense and choose the people.
- Split equally or enter exact amounts that add up to the total.
- Review who owes whom; manually record repayments.
REAL-WORLD SCENARIOS
Made for the people you share life with
Use the same clear record-keeping idea for different kinds of shared spending.
GOOD TO KNOW
Questions before you begin
Does Nivora connect to my bank?
No. You record entries yourself; Nivora doesn't need access to a bank account to help you organize spending.
How can a bill be divided?
Use an equal split or enter exact amounts for each person. The combined shares should match the recorded expense.
Does Nivora send repayments?
No. Money moves outside the app. Record the repayment or settlement in Nivora to keep the person's ledger current.
Can I manage more than one purpose?
Yes. Separate books help you keep personal, household or business records distinct. Learn about business books.
Need more details? Visit frequently asked questions or see all features.