Knows where your gross goes
Set an employer up once with a typical paystub and NestUp learns how your pay splits. Every payslip after that takes two numbers — gross and net — and it estimates the tax and deductions in between.
Employer profilesBeta Testing is Live
Master Your Wealth.
Zero Compromises.
A money tracker for people whose income is the complicated part. Track each employer separately, see what your gross turns into after tax and deductions, and keep all of it on your phone — no bank login, ever.
Why NestUp
Built for control.
Built for control.
Not for harvesting.
Most budgeting apps are advertising companies. This one isn’t.
No bank connection
NestUp never links to your bank. There is no Plaid, no NestUp account, and no server of ours holding your ledger. Your data stays on your phone — it never reaches us, because there is nowhere for it to go.
How we protect you →Wealth, not just spending
Money moved into savings or investments isn’t an expense — it’s wealth. NestUp is one of the few trackers that counts it that way.
Savings · InvestingExport anything
Generate a polished PDF statement or dump everything to CSV in one tap. Your data leaves whenever you want it to — on your terms.
PDF · CSV"Money is a tool. Use it wisely."
Product tour
Real screens.
Real screens.
Real numbers.
Every image below is the shipping app — not a mockup.
Income
Built for more than one paycheck
Most money apps assume one salary landing in one account. NestUp assumes the opposite.
Every employer, tracked on its own
Give each job its own profile and NestUp keeps year-to-date gross, tax, deductions, and true take-home separate for each one. A day job and freelance work sit side by side instead of being averaged into a single misleading number.
Set it up once. Then two numbers.
Enter one typical paystub — gross, net, income tax, deductions — and NestUp learns how that employer splits the gap. From then on a payslip needs gross and net; it estimates the rest, so you can see roughly what went to tax and what went to your 401(k) and insurance instead of watching one number land in your account.
Estimates, not filings. The split is modelled from the paystub you gave it.
Spending
Where it goes after that
Once take-home is honest, the spending side finally means something.
Follow every dollar
The Cash Flow Waterfall shows exactly where your income lands — needs, wants, savings, investments — and what survives to the end of the month. One chart instead of a spreadsheet.
Know your pace
A live burn-rate gauge tells you whether you’re on track — before the month runs out.
Category truth
Where the month actually went, ranked — not a pie chart you have to squint at.
Wealth
The part other trackers call an expense
Money moved into savings or investments isn’t spending. NestUp counts it as wealth built.
Balance at a glance
Five dimensions of financial health in one shape. Spot what’s out of balance instantly.
Watch it compound
Every contribution to savings and investments, tracked month over month.
The long view
A full year of wealth growth in a single line, so the trend is obvious before the balance is.
Month by month
Drill into any month to see exactly what you built — or what set you back — then export the whole year as a PDF statement or CSV.
Also in NestUp
The rest of your money,
The rest of your money,
in the same place.
The everyday tools, kept on your phone like everything else.
Recurring payments
Rent, subscriptions, transfers to savings: set them up once and NestUp logs each one when it’s due. See what they cost a month, by kind, and which card or account pays each.
Pause · Resume · RescheduleAccounts and debts
Add your cash, savings and investment accounts, and what you still owe on loans. NestUp shows what you’re worth today, with debts counted against it.
Net worthBudget limits
Give any category a monthly limit and watch it fill. NestUp tells you when you go over, and when a credit card passes the share of its limit you choose.
Categories · CardsMonth in Review
When a month ends, NestUp sums it up: what you spent, and how that compares with the month before.
Monthly summarySpending heatmap
A calendar of your month, each day shaded by how much went out. Tap a day to see what it was.
Day by dayWidget and Siri
Log an expense from your Home Screen or Lock Screen, or just say “Log an expense in NestUp.”
Quick addIt never leaves this device.
Every calculation happens on your phone. There is no server of ours holding your finances, and nothing for anyone to leak, subpoena, or sell. Four things you can check for yourself:
Learn How We Protect You-
No bank connection
No Plaid, no linked accounts, no read access to anything you own.
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No account, no server
Nothing to sign up for. Your ledger is stored locally with SwiftData, on your device only — export a CSV or PDF whenever you want a copy of your own.
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No analytics, no ad SDKs
No crash logs, no identifiers, no third-party trackers compiled into the app.
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Your data leaves when you say so
A PDF statement or a full CSV export, on demand — and nowhere else.
Help Us Improve
Let us know what you think of the NestUp beta. We read every submission!