Personal Finance App for Filipinos

You're not bad with money. You just need the right tool.

Neemo gives every financial goal a date — not “someday,” but an actual month and year. So you stop waiting and start planning.

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No bank login neededData stays on your phone100% free forever

Sound familiar?

“Payday tomorrow!” → 10 days later → “Where did it all go?”

Every. Single. Month.

“I have a spreadsheet, I promise.” — Last edited: 3 months ago.

We’ve all been there.

“I downloaded a budget app.” — Deleted after 2 weeks.

Because it wasn’t built for the way you handle money.

Neemo answers one question: “When?”

Tap a question. Get a date. That simple.

Dates update automatically every time you check in.

Once a month. Thirty seconds. Done.

No receipts. No categorizing. No daily logging. Just confirm your balances and Neemo handles all the calculations.

Monthly Check-in
BDO Savings₱127,650
GCash₱3,200
Credit Card-₱18,500
Neemo recalculates all your goal dates
~30 sec

Test big decisions before you commit.

Before you commit to a car, career change, or baby — ask Neemo what happens to your goals.

What if...

I buy a ₱120K motorcycle on installment?

Monthly cash flow
-₱4,800/mo
Emergency fund goal
Delayed 8 months
Freedom timeline
Pushed to 2037

Decide with open eyes — not just your gut.

Every peso has a hidden price tag.

That ₱90K phone isn’t just ₱90K. Neemo shows you what it actually costs in time, compound growth, and delayed goals.

True Cost Analysis

iPhone 16 Pro Max

Sticker price: ₱89,990

Lost compound growth (10 yrs)
₱247K
Days added to your debt
+127 days
Freedom delayed by
7 months

We're not saying don't buy it. We're just saying — now you know.

🇵🇭

Designed around how Filipinos actually handle money.

This isn't a translated American finance app. Built from scratch for the real Filipino financial life.

🤝
Paluwagan TrackerTrack your slot, contributions, and payouts. Get reminders before due dates. See how it affects your other goals.
📱
Hulugan CalculatorPhone, appliance, motorcycle — see the true cost of installments across your entire financial timeline.
🎄
13th Month PlannerPlan your bonus before it arrives. Allocate to goals, debts, and holiday spending — not as an afterthought.
✈️
OFW Padala ManagerTrack remittances in any currency. See exactly how much goes to savings versus family expenses back home.
📝
Utang ManagerBoth sides — what you owe and what others owe you. No more awkward "should I follow up?" moments.
🏥
SSS, PhilHealth, Pag-IBIGTrack your government contributions and benefits. Know exactly what you can claim.

We can't see your data. By design.

No bank login. No cloud sync required. Your financial data is stored on your phone only — never on our servers.

No Bank Sync
Your credentials stay with you
On-Device Only
Data never leaves your phone
Zero Knowledge
We literally cannot see your numbers
App Lock
PIN or biometric lock with auto-timeout

Stop saying “someday.”
Find out exactly when.

When will you be debt-free? When can you afford a house? Neemo gives you the date — not just motivation.

Get Early Access
Free foreverNo credit card2 minutes to set up