Account for commitments
The plan sets aside room for known bills, your buffer, and the current goal.
A daily spending boundary
See what is safe to spend today
Nuqora Money calculates today's amount from your balance, expected income, upcoming bills, buffer, and one goal. It gives everyday spending a practical boundary and flags when the plan may run short.
- Free works without sign-up
- Financial records stay on your device
- Core actions work offline
Today
August 9
Safe to spend today
plan works
2,000
for everyday spending
buffer ≈1.8 mo.
Next incomeAugust 15
65,000
Protected by planBills and buffer
50,000
Test a purchase
Illustrative example · amounts are currency-neutral
Plus beta
Plus is available during beta testing
Sign in by email and submit a request under Access. The Nuqora team will receive an email and enable test access manually for a limited period.
Open AccessBalance and real limits
The money in your balance already has jobs
Rent, debt payments, bills, a buffer, and your goal belong to future days. Nuqora Money accounts for them in advance and shows what remains for everyday spending today.
Set today's amount
The calculation gives everyday spending a practical boundary for today.
Keep the plan current
A daily check-in and balance correction keep the calculation close to reality.
How to start
Your first calculation in three steps
Start with your real balance. Add income, bills, and a goal as you set up the plan.
Open the calculation-
1
Enter your real balance
This is the starting point. Zero and negative balances are valid too.
-
2
Build the upcoming plan
Add expected income, rent, bills, debt payments, and one current goal.
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3
Use the daily amount
An approximate check-in is enough at the end of the day. Plus can track individual purchases.
Illustrative calculation
From 74,000, 24,000 remains for everyday spending
Your balance is 74,000. Known bills and the buffer need 50,000. The remaining 24,000 gives you a guide of 2,000 for each of the next 12 days.
The full calculation checks future dates, recurring income and bills, one goal, and shortfall risk. Your income and available funds stay the same; the calculation makes their limits visible. The result depends on complete and accurate input.
Balance74,000
Bills and buffer50,000
For everyday spending24,000→ a 2,000 daily guide
For everyday decisions
Three ways to stay current with the plan
Today's amount
It recalculates after a purchase, daily check-in, new bill, or balance correction.
Forecast and purchase check
See the new limit and possible shortfall date before buying. The risk of having to borrow becomes visible early.
A short daily check-in
Simple mode accepts an approximate daily result. Detailed tracking is available when you want it.
Local storage
Your financial plan stays on your device
Your balance, planned bills, check-ins, and purchases are stored locally in the browser. A bank connection is not required. You can export your own backup.
- 01Manual inputYou enter your balance, income, and bills in your own words and numbers.
- 02Core actions offlineThey remain available after the app has been cached in your browser.
- 03Email for access onlyEmail is used for Plus. Your financial plan does not sync to the account.
Free available · Plus in development
Core planning is included in Free
Free includes today's amount, the forecast, a simple daily check-in, and purchase checks. Plus will add more events, detailed tracking, and advanced settings.
FreeAvailable
Free
For a daily check against the amount available.
- Up to 5 active financial events
- Safe limit and forecast
- Simple daily check-in
- Purchase check and manual backup
PlusComing soon
Monthly
Plus access with monthly billing after launch.
- Everything in Free
- More than 5 active events
- Detailed purchases and categories
- Advanced calculation settings
PlusComing soon
Annual
Plus access for one year, paid in one payment.
- Everything in Free
- More than 5 active events
- Detailed purchases and categories
- Advanced calculation settings
Beta access
Submit a request
Plus is available during beta testing
Sign in by email and submit the request under Access. The Nuqora team will receive an email and grant Plus manually for a limited period.
Web app
Open it in a browser or add it to your home screen
Nuqora Money works like a normal website. Core features work offline after the first load, and you can add an icon to your home screen.
Data and limitations
What to know before you start
Short answers about the calculation, local data, and beta access.
What does Nuqora Money do?
It is a planning tool. It calculates a daily amount from your input and shows the effect of changes. Financial decisions remain yours.
How does information enter the calculation?
You enter your balance, income, and mandatory payments yourself. Access to your online banking is not needed.
How do I account for spending during the day?
In simple mode, one approximate check-in at the end of the day is enough. Plus detailed mode can record individual purchases.
Where is my financial data stored?
In the current version, it stays locally in the browser on your device. Email identity and access status are stored separately and do not contain your financial plan.
What happens if I clear browser data?
Local records can be lost. Export a backup periodically; restoring Plus access does not restore financial data.
How do I get free Plus beta access?
Open Settings → Access, enter your email, select the Plus beta request, and confirm the code. The Nuqora team will receive the request and grant access manually for a limited period.
02 / Nuqora
Coming soon
The next product
Nuqora Surface
Another focused tool from Nuqora. We will share more when it is ready.
A calculation based on your data
See the amount available for today
Enter your balance and upcoming events to calculate your daily boundary.
Open Nuqora Money Free is available now · You can export your own backup