Plan your budget, organise debts, understand your spending and build a clearer path towards your financial goals.
A budgeting & financial-planning tool, not a bank and not financial advice.
Features
Everything you need to understand your money
Real Nova features, built to make budgeting and debt payoff feel calm and clear. Items marked Premium require a Nova Premium subscription.
Income & expense tracking
Record what comes in and what goes out to see a clear monthly picture.
Debt management
Organise every debt in one place and track progress towards clearing it.
Savings goals
Set goals for emergencies, big purchases or paying down debt and watch them fund up.
Recurring expenses
Track subscriptions, bills and recurring payments so nothing catches you out.
Snowball strategy
Pay smallest balances first to build momentum.
Avalanche strategy
Target highest-interest debts first to reduce overall cost.
Custom strategy
Order your debts your own way to fit your priorities.
Estimated payoff dates
See estimated completion dates based on the information you provide.
Debt-free forecasting
Forecast a clearer path towards being debt-free with your current plan.
AI-powered insights
Understand what changed and where your money is going.
AI Coach
Ask questions about your goals and debts and get personalised guidance.
Bank-statement analysis
Scan a statement to help identify expenses.
Advanced insights
Go deeper into trends, streaks and progress.
History & progress tracking
Review your history and celebrate completed goals in your archive.
Export
Export your data when you need it.
Cloud backup & restore
Back up your data securely and restore it when you need to.
Secure account authentication
Sign in securely with email or Google.
Restore Purchases
Restore an existing Premium subscription on a new device.
How Nova works
Three steps to a clearer plan
Add your details
Add your income, expenses, debts and goals so Nova understands your finances.
Choose a strategy
Pick a repayment strategy such as Snowball, Avalanche or Custom, then set a financial target.
Track your progress
Monitor progress using forecasts, estimated dates and personalised insights.
Nova works from the information you enter. It does not connect directly to your bank accounts. Bank-statement analysis works only on statements you choose to upload.
Security & Privacy
Your data stays yours
Privacy is built into how Nova works. Complete details are available in our Privacy Policy.
Protected within your account
Each user's information is associated with and protected within their own account.
Secure authentication
Nova uses secure authentication to help keep your account protected.
Used to help you plan
Financial information is used to provide Nova's budgeting and planning functionality.
No targeted advertising
Nova does not use personal or financial data for targeted advertising.
Never sold
Nova does not sell personal or financial information.
Deletion on request
You can request account and data deletion at any time.
Important
Nova is a budgeting and financial-planning tool. Nova does not provide regulated financial, investment, credit, tax or legal advice. Forecasts and insights are estimates based on information supplied by the user and may not reflect future results.
FAQ
Questions,
answered
Everything about Nova, Premium, privacy and support in one place.