Nilvano keeps your zero-based plan in one readable place: what you planned, what actually moved, and the one decision worth making this week.
Set up the zero-based plan tonight, thank yourself on Sunday.
| Nilvano | a plain notebook | typical money app | |
|---|---|---|---|
| Setup time | one evening | a weekend | days of fiddling |
| Weekly review | built in | manual | manual |
| Export | one tap, always | manual copy | paywalled |
| Shared ledger | yes, per-person entries | possible | rare |
| Guilt mechanics | none | varies | streaks and badges |
Export everything anytime. No lock-in games, no disappearing history, no dark patterns.
Everything lives on a single page: plan, moves, and the week's single decision. Nothing hides two clicks deep.
Weekly review shows what changed and why — in plain words, without scoring your character.
We measure weeks kept, not minutes spent.
Every byte you put in can come back out as CSV.
Manual entries first; connections optional, encryption standard.
If a chart needs a legend to explain itself, it does not ship.
One plan, one place. Nilvano Solutions bundles planning, logging and review so nothing lives in three apps.
Nilvano Flex is the adjust mode: move money between envelopes, weeks or goals without breaking the month.
Nilvano Invest projects your set-asides across years so the long view stops being abstract. A planning tool, not a broker or advisor.
Nilvano Edge reads your history and surfaces the three things worth acting on this month.