Know where the money actually went.
Built for Australian bank exports, and it doesn’t count your own transfers as spending. Seven views of your money, and no monthly fee to see any of them.
What it does
Everything Budget gives you.
Separate budgets that don’t touch — the house, the share house, the side business.
Buckets know whether you’re spreading the money or saving it up by a date.
Every subscription in one list, priced by the year rather than the month.
Cash flow looking back, and a forecast looking forward.
Import a CSV from your bank. Nexus never asks for your bank login.
Money moved between your own accounts stops counting as spending.
Net worth where every point tells you how many items it was built from.
Share one budget, choose what they can change, and keep your own out of it.
What it costs
Things you'd normally pay for. Here they're just included.
| Feature | Usually costs | In Nexus |
|---|---|---|
| Forecasting and cash-flow projection | Usually a subscription, around $10–27 a month | Free |
| A subscription manager | A premium feature, or a separate app | Free |
| More than one budget | Often the reason to upgrade | Free, unlimited |
| Sharing with a partner, with roles | Commonly a paid tier | Free |
| Net worth tracking over time | Typically premium | Free |
The honest part: paid apps often buy you a live bank feed, and Nexus does not have one. Your bank’s export does the same job with one more step, and it is why Nexus can stay free.
Only what you want
Use it as just a budget app.
Nexus asks which parts you want when you sign up, and you can change your mind whenever you like. Turn everything else off and this is the whole app — the menu, the home screen, the quick-add button. Nothing you did not ask for is on screen.
Turn something back on a year later and it is waiting, with whatever you had already put in it. Hiding is not deleting. Plenty of people run Nexus as nothing but this.
If you want more
What Budget can do that a single-purpose app can’t.
Your dog costs $2,520 a year and you’ve never seen it as one number. Vet, food and insurance are logged against the pet and roll up here by themselves. (Animal Medicines Australia, 2025.)
An event has a cost per head and what guests contribute sits beside your event budget as cover — never added to what you’ve spent.
A trip has its own envelope so the holiday doesn’t quietly eat the grocery bucket.
The weekly shop knows what a meal costs because the meal plan and the shopping list are the same data.
What you get, and what it costs
Nexus is free. Not free-for-now, and not free-until-you-need-the-good-bit — nothing you already have is ever moved behind a payment. You can export everything you put in, from every module, whenever you like.
It is free for the businesses in the directory too. Nobody pays for a listing, and nobody buys your data.
Read the promiseBudget is the one most people arrive for. Everything else is optional — and it’s also why, if you want it, the numbers here end up complete.