Frequently asked questions

Accounts represent your money sources: bank accounts, credit cards, loans, cash, investments or savings. Each account has its own balance and you can see all associated transactions, like a bank statement. When you record an expense or income, the account balance updates automatically.

Go to Transactions and tap 'Add Transaction'. Select income or expense, choose fixed or variable, assign an amount, date, category and associated account. If it's a recurring payment (like rent or a monthly service), enable 'Recurring' and it will automatically appear in the calendar.

Budgets let you define how much you want to spend per category each month. For example, you can set a $5,000 limit for food. Nivenzo shows how much you've spent vs. your limit with progress bars. If you exceed the budget, you'll get a visual alert. Budgets auto-copy to the next month.

When you create a recurring transaction (weekly, biweekly or monthly), Nivenzo automatically generates scheduled payments in the calendar. So you can see what's due each day. From the calendar you can mark each payment as 'paid' and it registers as a real transaction, updating your balance and budget.

The calendar shows all your scheduled payments and transactions for the month. Color dots indicate status: green = paid, yellow = pending, red = overdue, blue = regular transaction. Click any day to see details and mark payments as completed.

Yes. Enable 'I have a partner' in your profile and you can create shared accounts (joint savings, investments, certificates). Each shared account has its own balance and projected interest. Your partner doesn't need a Nivenzo account — you manage everything from your profile.

Fixed expenses are those you always pay the same amount (rent, insurance, subscriptions). Variable expenses change each month (food, transport, entertainment). This classification helps you understand your cash flow better and identify where you can save.

Yes. From the Reports section you can generate comprehensive reports and export them as PDF or Excel. Reports include financial summary, category breakdown, transaction history and debt progress. Great for personal tracking or sharing with your accountant.

In the Debts section you can track credit cards, loans, mortgages and other obligations. Each debt shows its current balance, interest rate, minimum payment and due date. You can record payments and see how your debt decreases over time. Great for having a clear view of your total obligations.

In Challenges you can pick a predefined challenge (1-100, 1-365, weekly, monthly, etc.) or create a custom one. Each day you check off the amounts you've saved on an interactive grid. You can see your progress with a visual circle, consecutive streaks and milestones. You can also download the PDF template to track it by hand or share your progress on WhatsApp.

Yes. When adding a transaction or budget, select 'Other expenses' or 'Other income' and you can type your custom category name. It will be saved for future use. From Settings you can edit or delete your custom categories.

Future-dated transactions are automatically marked as 'Pending' and don't affect your account balance until you mark them as paid. They appear in the calendar with a yellow indicator. When the date arrives, you can mark it as paid from the calendar or transactions view.

The dashboard shows a complete overview of your finances: total balance, income and expenses for the period, remaining debt, cash flow chart, debt progress, upcoming payments and a financial summary. Everything updates in real-time when you record transactions.

Yes. Nivenzo is a Progressive Web App (PWA) that you can install on your phone from the browser. It works like a native app on Android and iOS. It's also available on the Play Store. It even works offline.

Go to your Profile or Settings and change the currency (DOP, USD, EUR and 40+ currencies available). The language can be changed from the globe icon in the top bar. The app is available in Spanish and English.

Yes. From Settings > Delete account you can request permanent deletion of all your data. This action is irreversible and completes within a maximum of 30 days. All your financial data, transactions, accounts and settings are completely erased.

Yes, Nivenzo is 100% free. Your data is stored securely with encryption at rest and in transit (TLS/SSL). We implement Row Level Security (RLS) so only you can access your own data. We don't store passwords in plain text or connect to your real bank accounts.