Nexpen

Start free. Unlock everything once — no subscription, ever. Syncs privately across your Apple devices via iCloud. Your data, your control.

Nexpen — Personal Finance & Payroll

Your complete financial toolkit. No account required. No subscription. No company servers. Nexpen keeps your data within your Apple ecosystem — private, encrypted, and always under your control.

PERSONAL FINANCE • Import transactions from any bank via CSV — smart rules auto-categorize everything • Track spending across unlimited accounts with custom budget categories • Eliminate debt faster with Avalanche and Snowball strategies — see your exact payoff date • Watch your net worth grow with monthly snapshots and a trend chart • Track investments across brokerage accounts — market value, cost basis, and gain/loss • Set savings goals with progress tracking and projected completion dates • Spot cash shortfalls before they happen with a visual Cash Flow Calendar • Sync bill due dates directly to your system calendar • Add the Debt Countdown widget to your home screen for daily motivation

SMALL BUSINESS & PAYROLL • Run payroll for W-2 employees — gross pay, federal and state withholding, FICA, net pay • Generate pay stubs and track YTD totals per employee • Manage contractor invoices with automatic 1099-NEC threshold warnings ($600) • Track PTO accrual, performance review dates, and employee milestones • Log business mileage for tax deductions • Organize income and expenses by client or job — see profit per project • Get IRS tax deposit reminders aligned to your exact depositor schedule • Export a one-tap accountant report of all deductible expenses for any year

PRIVACY & SYNC Nexpen has no company servers and no Nexpen account. Your financial data syncs seamlessly between your iPhone, iPad, and Mac through your personal iCloud account — Apple's end-to-end encrypted infrastructure. Nobody at Nexpen can see your data. Ever. You can also use Nexpen in fully local mode with no iCloud, and export a manual backup anytime.

YOUR DATA, YOUR CHOICE Support multiple profiles — personal and business finances each get their own clean space. Switch between them in seconds.

FLEXIBLE PRICING Start free. Unlock Nexpen Pro for the full personal finance suite, or add Nexpen Business for payroll and small business tools. Pay once. Own it forever.