One of the Best Money Management Apps

Better Finances for a Better You

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Discover Neontra, your all-in-one personal finance app for budgeting, financial planning, and net worth tracking

8 minute read

Neontra is an app that helps you understand and manage your money. Understanding your money is a key to financial wellness as it gives you a foundation for making educated decisions.

How does it work?

Neontra gives you an in-depth understanding of your money:

  • See all of your data in one place
  • Get familiar with your data: banking, debt, investments, assets
  • See how you spend and save your money
  • Know your Net Worth
  • Forecast your future — see what your financial future looks like 5, 10 or 25 years from now
  • Plan for retirement
  • Easily build a 50/30/20 or 60/40 budget

Over time, as your insight into your money grows, we can help you to:

  • Worry less about your money
  • Make better decisions
  • Be prepared for your financial future

How is Neontra different?

Neontra is not just another Personal Finance Manager (PFM).

It is powered by TXIO Corporation's banking and brokerage technology, which gives it unparalleled capability. We track everything. Neontra has a powerful accounting engine that tracks all your assets and cash flows over time. Which means complete transparency, better analysis and more powerful insights.

Advanced Features

Discover what makes Neontra the next-generation PFM.

  • All Your Data In One Place
  • Custom Budgets
  • Spend Tracking
  • Personalized Insights
  • Investment Tracking
  • Personalized Calendar
  • Goals
  • Financial Health Check
  • Forecast Your Future
  • Retirement Planning

Manage your net worth, and keep an eye on your monthly cash flow by category. View all of your bills and account balances in one place, and find ways to save money all with our free plan.

Anyone and everyone can use Neontra, regardless of their comfort level working with and managing data.

  • Automatically sync your accounts to Neontra, import files or do it by hand. The choice is yours.
  • Make a mistake getting set up or importing your data? No problem. You can modify, delete and manage your data until you get it right.
  • Want to keep your banks/brokers anonymous? Easy. Just select "anonymous" when setting up a new service provider.

Forecast the Future
Neontra predicts your financial future using forecasts. Unlike our competitors, Neontra considers both your assets and your behaviour when building a forecast, resulting in a more accurate prediction of your financial future.

All Your Money in One Place

Connect accounts to automatically import data or manually upload. Easily sync, connect or import .ofx, .qfx, .csv for bank Accounts, credit cards, loans, investments, assets, cash and insurance. Neontra provides a 360° view of all your $CAD, $USD, £GBP, €EUR and ¥YEN financial activities with more currencies to follow.

Track All Your Investments In One Place

Neontra aggregates and tracks all your investments in one place. Measure the performance over time on your stocks, mutual funds, ETFs, FX, auto, real estate, personal assets, NFTs, crypto, jewelry, art, domains, collections and international stock holdings. Forecast growth scenarios for all your investments and catch hidden investment fees.

Personalized Insights
Our proprietary Artificial Intelligence/Machine Learning models deliver custom insights into your financial life.

Financial Health Check

Evaluate your overall financial wellness with a simple Neontra scorecard. Easily connect all your accounts. From cash, credit, loans, insurance and investments, you can see your complete financial picture in Neontra. Neontra's Health Check provides a personal, simple, easy-to-understand score with actionable insights. Explore how the Health Check works and how it can help you. Neontra Health Checks are free and enable you to see your important financial health information in a central and secure place.

Income & Expense Tracking

Automated Cash Flow analysis so you follow, track and analyze your cash flow. Neontra helps you stay on top of your expenses, subscriptions and bills. Find hidden bank fees. Neontra provides visibility over your money so you know exactly where your money is going. Our mission is to help you manage your money so you can reach your financial goals.

Personalized Insights

Our personalized insights can help you save more, spend smarter, and pay down debt. Neontra’s proprietary AI analyzes your financial data and then creates actionable insights and analyses that are personalized for you. Discover trends and patterns based on your personal financial history. See important personal ratios on savings, investing and debt. Learn how your spending, saving and investing compare to national averages.


Neontra forecasts your financial future. See how patterns from the past project into the future. Model and forecast your growth. Define projected growth rates and visualize likely scenarios. Forecast the growth of your fixed assets, investment, savings and retirement accounts up to 50 years into the future. What does your cash flow look like in the next year? When will you be debt-free? How might negative scenarios impact your finances? How will your retirement savings look like in 10, 20, 30 years?

Custom Budget Planner & Tracker

Neontra makes it easy to create and manage a custom budget, so you can spend less time worrying about your money. Our powerful budgeting capabilities help you start building a better future today. Neontra will automatically categorize your expenses, bills, subscriptions and transactions. See all your transactions categorized as essential, non-essential, saving contributions and debt payments to create a free 50/30/20 budget. You can also easily create more complex budgets with custom categories, tags and transaction rules.

Map Your Goals

Set goals and track your progress over time. Plan for college, live debt-free, travel the world, own your own house, start investing or set your retirement goals. Neontra has the tools that can help you get a little closer to your goals.

Investment Simulator
Test investment strategies risk-free in our award-winning brokerage system. Featuring sophisticated order types, live market prices and integrated charting. We believe everyone deserves financial wellness. Our free plan makes financial planning accessible to everyone.

Easily manage your money and investments with a single, robust app. Neontra brings together everything from your spending, account balances, investments, debt, goals and budgets.

Neontra's mission is to empower everyday people to lead a better financial life. →