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Where the money flows.
Take back control.

A balance tells you what's left. NapGrow shows you how it got there. Track every cent or just the totals, and switch between regular and zero-based budgeting whenever it suits you.

One email when NapGrow opens. Nothing before that. Leaving takes one click. Privacy Policy

October 2026Processed
Budget
Detail
Income+USD 6,800.00Salary and one freelance job.
Spent by category−USD 5,560.00Five categories, card charges included.
LeftoverUSD 1,240.00Income minus spending, so far.
Everyday card1 itemized
−USD 1,620.00
Groceries−USD 340.00
UnassignedThe rest — fine to leave as it is, itemize if you want.
USD 1,280.00
Flow, not balance

USD 1,240.00 left this month. Here is the other USD 5,560.00.

A bank app shows one number at the end. NapGrow follows every dollar from where it came in to where it went out — so a month makes sense before it's over, not after.

  • SalaryUSD 5,200.00
  • FreelanceUSD 1,600.00
  • HousingUSD 2,100.00
  • GroceriesUSD 1,490.00
  • Eating outUSD 760.00
  • TransportUSD 690.00
  • HealthUSD 520.00
  • LeftoverUSD 1,240.00
Your method, not ours

Two choices. Change either one any time.

Regular or zero-based budgeting

Regularincome − spending = leftoverCap the categories you care about. Going over says so, and never stops you.
Zero-basedincome − budgets = 0Every dollar gets a job. A gentle note while some is unassigned — never a block.

Switch whenever you like. Turning zero-based on writes nothing; turning it off deletes nothing.

Totals or every cent

TotalsUpdate your card's total once a week. Itemize only what you care about — the rest is fine left as it is.
Every centRecord every purchase, split every bill, and drive the unassigned amount to zero.

Same budget, different resolution. Nothing in NapGrow prefers one over the other — move between them as your month allows.

No bank connection needed

Type it in, in seconds. Manual entry is the main path here, not a fallback.

Your data is not the product

No ads, no data sale, no credit-card offers.

Any currency, any account

Earn in one currency, spend in another. Each account keeps its own, converted on the day you choose.

Know where it went. Decide where it goes.

One email when NapGrow opens. Nothing before that. Leaving takes one click. Privacy Policy