In development · Not yet launched
Money, made legible.
Nummiro is an offline-first place to plan your money: you enter what you have, what is due and what you are saving for, and it shows you where you stand — on your phone, without a bank login. The app is built and tested, but not yet available to download.
How the current app works
- No bank connection
- Data stays on your device
- No ads, no data sold
Illustrative month for a fictional household. Salary of $4,200 arrives on day 15. Bills total $1,850 and $400 goes to the goal. The balance is lowest on day 14 at $1,229, and the month ends at $2,840. That leaves about $449 a week to spend freely. The sample goal reaches $6,000 in about 8 months at this rate.
- Free to spend
- $449/wk
- Lowest point
- $1,229
- Goal
- 48% · 8 mo
Change the rhythm — all figures illustrative
The product
One place where everything adds up.
No spreadsheet to maintain and no dashboard to configure. Nummiro is designed around entries you keep yourself — which is what lets the whole thing work offline, on your phone, with no account and no bank login.
The iPhone app is built and tested but has not been released. The screens below reflect its current interface; every figure is illustrative sample data for a fictional household.
All accounts · this month
30 days
Everyday
Current account
$3,759
Reserve
Instant-access savings
$2,850
Card
Credit card
−$1,260
Everything, added up
$5,349
Lowest on day 14 · $3,252
- Money in
- Money out
- Longer stroke, larger amount
- Dashed: moved between your own accounts
Next 14 days
$5,797
Lowest $3,252 on Tue 14 Apr, just before payday.
Utilities
Thu 9 Apr
−$333
Groceries
Sat 11 Apr
−$208
Pharmacy
Tue 14 Apr
−$107
Everything in one place
Cash, current accounts and savings sit side by side in one view — each one a record you keep yourself, not a bank connection.
Categorised, then explained
You choose the category, and you can change it — or invent your own — the moment it looks wrong.
One notation throughout
Strokes rise for money arriving and drop for money leaving, sized by amount — the same grammar everywhere, so the shape is readable before the numbers are.
01Clarity
Know exactly where you stand.
Tell Nummiro what you hold and what you spend, and it assembles the whole picture: what you have, what you owe, and what actually happened last month. No bank login, no reconciling three apps at midnight, no spreadsheet you quietly stopped updating in March.
- Cash, current accounts, savings and card balances on one timeline
- Your own categories, applied the way you actually think about money
- Plain summaries of the month, instead of a wall of raw rows
02Planning
See what’s coming before it arrives.
Give Nummiro the bills and income you already know about, and it projects the month ahead from them. Rent day stops being an ambush, and “can I afford this?” finally has an answer you can point at.
- A running forecast built from the payments you have told it about
- Safe-to-spend that has bills and goals subtracted first
- A quiet heads-up when a week is going to be tighter than usual
03Progress
Watch steady choices add up.
Decide what you are working toward, choose what you will put behind it, and let Nummiro keep score. Progress is measured against the target you set — never against a leaderboard, a streak, or anybody else.
- Goals with milestones close enough together to feel
- A monthly review that takes two minutes to read
- Reminders that stay useful rather than turning into nagging
Reserve fund
$2,850 of $6,000
About 8 more months at $400 a month
Monthly contributions
8 months, uninterrupted
Planned — not available
What we want to build next.
Written plainly so nobody has to guess: none of the three exists. No card has been issued to anyone, no partner has agreed to issue one, and there is nothing here to sign up for. We are describing the direction, not taking orders.
Planned
The Nummiro card
A debit-style prepaid card for eligible people, issued by a regulated banking partner. Any balance would be held by that partner under its licence — never by Nummiro, which is not a bank and holds no licence.
Requires an issuing bank, a card network and a processor. None chosen.
Planned
Cash reload by barcode
The intent is that you could add cash to a card balance at a shop till by scanning a barcode in the app, for people whose money arrives as cash rather than as a transfer.
Requires the card, plus a retail cash-acceptance network. Not arranged.
Planned
The Nummiro Reload Pack
A physical pack that would make that reload routine repeatable — the card, and the codes needed to top it up, in one place.
Requires the card, plus manufacturing and fulfilment. Not arranged.
Issuing a card is a regulated activity. It needs a bank willing to issue, a network willing to carry it, and the compliance work that sits under both — which is why this is a section about intent rather than a product page. The current offline app does none of it: it holds no money, moves no money, and connects to no bank.
Trust & privacy
Careful with the boring details.
Nummiro is a personal finance tool. It is not a bank, a broker, a lender, or a financial adviser — and it will never pretend otherwise. The app details below describe the current unreleased build. The card remains a plan that depends on regulated partners.
No bank connection at all
The current app is offline-first: you enter what you want to track, and Nummiro does the arithmetic. It asks for no bank login, reads no account, and has no permission to move anything.
Your data stays on your device
Every entry is kept in a protected file on the phone. There is no account to create, no server to sync to, and nothing leaves unless you export it yourself.
Your data will not be the product
We do not intend to sell or rent financial data, or to sell advertising against it. The plan is straightforward: charge for the product, answer to the people using it.
Yours to export, yours to delete
The app exports its complete ledger in a portable format, and Delete All Data removes the records, saved file and local preferences.
If the card happens, a bank holds the money
The Nummiro card is planned, not built. It would be issued by a regulated banking partner — not yet chosen — and any balance would sit with that partner under its licence. Nummiro would not hold your money.
Specifics before slogans
We hold no certification and no banking licence, and will not imply otherwise. Before anything launches we will publish the details — partners, retention windows, subprocessors — so you can check rather than trust.
What you will not find on this page
No security certifications, uptime percentages, customer numbers or press logos. The app is unreleased, and we have not earned any of them yet. When independent attestations exist, we will link to the reports themselves rather than to a badge.
No advice, no forecasts of return
Nummiro is built to help you see and organise money you already have. It does not recommend investments, predict markets, promise outcomes, or lend. Every figure shown on this page is illustrative sample data for a fictional household.
The detail lives in theprivacy policyand theterms of use. Both are drafts until we launch, and both say so at the top.
Waitlist
Be there for the first version.
We are building Nummiro slowly and carefully. Join with your email and we will write when there is something worth your time — no drip sequence, no launch countdown.
One email, when it matters. By joining, you agree that we may store your email address and send you Nummiro launch updates. Unsubscribe any time. Read the privacy policy.