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Getting Started Guide

Welcome to Nero — Let’s Get You Started in 7 steps!

You’ve made it! You’re about to change how your relationship with money forever. Not by giving things up, but by giving yourself more. More control. More confidence. And yes, more ice cream.

Nero isn’t here to scold you about spending — we’re here to help you plan for what you love. And what you need. Let’s build a budget that’s not just smart, but actually yours.

Don't like reading? Here's a video

1. Set Your Password & Passcode

We ask you to create a passcode on your first login — not because we don’t trust your dog walker, but because your finances are personal. And private.
We never sell your data. We never share it without your say. You’re in control.

2. Get Your Accounts & Expenses together

Before setting your budget, make sure you have insights into your cash and debts

  • Bank accounts and credit cards

  • Loans (car, mortgage, college)

  • Count any cash hidden under your mattress

You can connect Nero with your bank account, but we can’t connect to your credit cards, nor can we access loans or investment accounts.

Next step is to get your recurring expenses together. Is this all going via your bank? Then easy-peasy, connect Nero and we’ll find them for you. (Make sure to check though).

But if you’re paying your Netflix subscription with your credit card, you will want to make allowances for those expenses yourself as we can’t see that.

Wanna make sure you’re not forgetting anything? Check the Nero Budget Setup Checklist first to make sure you have everything in one place.

3. Invite Your Partner (If You Have One)

Budgeting together saves more than money — it saves arguments too. If you’ve been in a relationship for over a year you already know what we mean

You can invite your partner right from the app — just use their email. They’ll get to create their own budget too, alongside the shared one.

4. Discover Your Spending Personality

Are you a Budget Boss or a Freestyle Financier? Take our quick quiz to find out. You’ll get a tailored experience based on your results.

5. Connect Your Accounts

Linking your bank accounts helps Nero work its magic:

  • We’ll pull your expenses
  • Suggest savings
  • Build your first budget — fast

You can also manually add things like:

  • Mortgage or investments
  • That car loan
  • The IOU from Aunt Lisa

6. Set Up Your Budget

Personal & Shared Budgets

If you invited a partner, you’ll set up both:

  • One personal (so they don’t see your football subscription)
  • One shared (for everything from rent to school shoes)

Add Your Income

Start with your monthly take-home. If your bank’s connected, we’ll prefill it. You can:

  • Adjust it to be safe
  • Add multiple sources
  • Use any currency — we’ll convert for clarity

Important: shared income ≠ personal income.

7. Choose Your Spending Pots

Time to assign your money to pots:

  • Be detailed (Groceries, Dining, Streaming) or simple (just “Entertainment”)
  • Set your limits by week or month — you’re the boss

Start with fixed costs like rent. Then work backward to fun stuff. Want to try it out online first? Try Nero Budget Creation Calculator

Short on time? Hit the “Magic Budget” button and let Nero handle it for you.

Meet Lisa: Your AI Assistant

Have a question? Ask Lisa in the app. From “Can I afford this sofa?” to “Where’s my gym payment?” We’ve got you.

Still stuck? Email us at hallo@nerobudget.ai and we’ll reply within 3 hours during business hours.

Make Nero Your New Money Habit

Every time you want to check your balance — check Nero instead.

Connected your bank? We’ll categorize 90% of your expenses automatically. Using cash or a credit card? Just record it quickly and you’re good.

Final Notes:

  • Your budget can change. Life does! Adjust freely.
  • Check in daily. 1 minute. We’ll send reminders.
  • Nero is your coach, not your critic.

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