Test your wealth before you risk it
Build portfolios, simulate loans, and test financial strategies in a completely risk-free environment. Make informed decisions backed by real data and sophisticated modeling.
Everything you need to succeed
Powerful simulation tools designed for everyone—from first-time savers to experienced investors.
Real-time analytics
Track every transaction with precision. Visualize detailed cash flow patterns and investment performance across timeframes.
Risk-free testing
Experiment fearlessly with any strategy. Test scenarios and recovery plans in complete safety without risking capital.
AI-powered insights
Receive intelligent recommendations based on your goals. Discover optimization opportunities with advanced algorithms.
Built for serious financial planning
Nixo isn't just another budgeting app—it's a comprehensive financial laboratory where you can safely experiment with life-changing money decisions.
Whether planning your first home purchase, considering retirement, or evaluating career changes, our engine shows long-term implications.
- Advanced Monte Carlo simulations
- Comprehensive tax optimization
- Detailed retirement planning
Financial tools in one platform
From daily budgeting to sophisticated investment modeling—simulate your entire financial life.
Smart budgeting engine
Intelligent categorization with automatic insights. Set limits, track patterns, and optimize effortlessly with predictive analytics.
Investment simulator
Build diversified portfolios across asset classes. Backtest strategies and forecast returns under different conditions.
BNPL analyzer
Understand true costs before checkout. Model installment plans, avoid fees, and see cash flow impacts instantly.
Tax optimizer
Model tax implications of decisions. Test limits, deductions, and strategies to minimize burden legally.
Plan your savings journey
Calculate and simulate different savings strategies with competitive interest rates.
Trusted by thousands
Join users who transformed their financial decisions with Nixo.
"Nixo Finance’s 'Buy Now, Pay Later' feature is an impressive innovation in payment solutions. It not only helps users manage their purchases better but also provides a seamless integration with other financial services. I’ve found it to be an excellent resource for anyone looking to simplify their financial management."
"Nixo Finance offers a seamless platform for investment opportunities. The variety of options, including stocks, bonds, and mutual funds, is impressive. I particularly appreciate the detailed analytics provided, which help me make well-informed decisions. It’s a great tool for anyone serious about growing their wealth"
"As someone who specializes in mutual funds, I can say that Nixo Finance is an excellent platform for managing such investments. The transparency in fund performance and the ease of tracking them is remarkable. It's also great to see the flexibility they offer with options like 'Buy Now, Pay Later,' catering to a wide range of financial needs."
"I’ve been recommending Nixo Finance to my clients for its user-friendly interface and innovative features. The 'Buy Now, Pay Later' service is a game-changer, especially for those who want to manage cash flow effectively. The platform's focus on both short-term and long-term financial solutions makes it a well-rounded platform"
Common questions
Everything you need to know about simulating your financial future.
Nixo operates entirely in simulation. All transactions and investments are virtual, allowing you to experiment without risking actual funds.
No deposits required. Create a free account and start building scenarios with simulated funds without connecting banks.
Yes. Schedule withdrawals on specific dates and see how they affect your cash flow and show potential shortfalls.
A negative balance is a warning. Use this insight to adjust spending or modify schedules before implementing in real life.
Support available 24/7. Open a ticket at nixo.top/user/ticket/all or use live chat.
Start simulating today
No risk. No pressure. No credit card. Join thousands making smarter financial decisions.