Features
Budgeting
Nethaven sorts your bank transactions into categories you control, with monthly limits and rules that auto-label merchants you pay again and again. You can see how your spending compares to your plan as it happens — right next to your debts, goals, and subscriptions, not buried in a spreadsheet.
What you get
- Custom budget categories with monthly limits
- Transaction rules for auto-categorization
- Spending vs. budget progress by category
- Review workflow for uncategorized transactions
- Shared household budgets via organization invites
Nethaven is a personal finance app for iOS and Android that connects banks through Plaid, brokerages through SnapTrade, and manual assets into one dashboard. Budgeting is part of that unified view—so you are not exporting CSVs or reconciling separate tools every month.
Use categories and limits to stay on plan, then zoom out to net worth, debt payoff, savings goals, and subscriptions without losing context. Household invites let partners share an organization budget while each person keeps their own login.
Not investment advice. Data sync depends on institution availability; see in-app connection flows for banks and brokerages supported in your region.
How Nethaven budgeting works
Every transaction that lands in a connected account starts in your review queue. You assign it to a category the first time, and from then on a rule can do the same work for you — auto-labeling rent, utilities, the coffee shop, or the recurring subscription you always miss. The review queue shrinks as rules take over the predictable work, and you only step in when a merchant genuinely is different.
Each category carries a monthly limit you set. Nethaven tracks spending against the limit as the month progresses, so you can see whether you are pacing ahead or behind without waiting for the statement to land. Limits are flexible on purpose: you can run a strict zero-based budget, a 50/30/20 split, or your own custom categories that match how you actually make spending decisions.
Rules without surprises
Auto-categorization rules are best for merchants that repeat in the same category: the gym, the streaming service, the grocery store. They are not so good at merchants that move between categories — a department store that sometimes is clothing and sometimes is a gift, or a warehouse club that is sometimes groceries and sometimes is supplies. Nethaven keeps narrower rules and leaves ambiguous transactions in the review queue, so automation does not silently hide exceptions.
If a rule is too broad, the cleanup work it creates later is worse than the time it saves today. The default behavior in Nethaven is to surface transactions that do not match a rule, and to make it easy to either re-categorize them or convert the one-off into a new rule. The result is a budget you can trust because the data behind it is correct.
Shared budgets for households
Couples and families usually want one view of the household budget without sharing a single login. Nethaven runs on household organizations: each member signs in with their own credentials, links their own accounts, and contributes to the same categories and limits. Both partners can categorize transactions, set limits, or check progress on the grocery category from their own device. When a category is close to its limit, both members see it — so the conversation happens before the overspend, not after the statement arrives.
Each member still owns the accounts they have linked. Removing a member is a single step in household settings, and the data that member contributed stays attached to the right accounts. Sharing a budget stops feeling like handing over a password and starts feeling like adding a second set of eyes to the same plan.
Budgets in the same view as net worth, debt, and goals
A monthly budget is only useful if it connects to the bigger picture. In Nethaven, the same dashboard tracks net worth, debt payoff, and savings goals — so staying under budget this month visibly moves the emergency fund forward. You can see how a paid-off credit card lifts net worth, how an extra debt payment changes the payoff date, and which subscription is quietly absorbing the room a savings goal needs.
This continuity is what separates a budget that survives past January from one that gets abandoned. Every category does double duty as both a spending guardrail and a contribution toward what the household is actually saving for. When the same transaction powers the budget, the goal, and the net worth view, the numbers cannot drift apart.