Neontra

Open Neontra and start by turning on the safety measures you actually control. Secure access with a passcode or biometrics, enable two-factor verification, and review device permissions. Neontra uses financial‑grade encryption and a zero‑retention approach, so sensitive secrets never sit on Neontra’s servers. Your credentials stay protected, and you decide what’s synced, exported, or shared. From the first minute, you get clarity without handing over the keys to your data.

Next, connect your bank, card, and wallet accounts in read‑only mode to build a live picture of your money. Neontra auto‑categorizes purchases and lets you edit, merge, or create custom expense groups so reports match how you actually spend. Set spending caps by category or time period and get timely notifications before you overshoot. Add upcoming bills with due dates and amounts; get reminders and, where supported, pay directly through the built‑in payment flow. The unified dashboard shows balances, cash flow, and what’s due next. Multi‑currency support lets you record expenses in local currencies and view rollups in your home currency.

Plan your month with a practical budget that balances income against fixed costs and flexible categories. Add savings targets with a date and amount, then allocate contributions automatically from surplus cash; watch progress update as transactions arrive. Track loans and credit lines with breakdowns of principal and interest, and run payoff scenarios to see how extra payments affect timelines. Monitor investments and savings performance in one place; set nudges for contribution schedules or rebalancing thresholds. If you manage rentals, use the property toolkit to store documents, log rent and expenses, track mortgages, and view yield and cash‑on‑cash returns. Alerts keep you ahead of renewals, insurance deadlines, and maintenance tasks.

When it’s time to review, pull precise reports: spending by category or tag, income trends, net worth over time, and custom slices. Export CSV or PDF for your accountant or team. The tax workspace groups income types, estimates liabilities, and compiles an annual summary; attach receipts and notes to keep audit trails clean. Create a simple routine—weekly check‑in for spend, month‑end reconciliation, quarterly tax prep—and let Neontra’s notifications prompt the next step. Whether you’re a freelancer juggling invoices, a household coordinating bills, a traveler handling multiple currencies, or an investor tracking performance, Neontra streamlines the workflow while keeping your information under your control.