The money app that tells you the truth.
For people who live payday to payday and have given up on budgeting apps. Nag watches your bank, works it out for you, and speaks up before it goes wrong. You don't have to do anything. You just have to listen.
Tell me when it's readyGo on, ask it:
Budgeting apps are built for people who can already budget.
They want you to open them every day, sort your spending into categories, set limits and stick to them. If you had the headspace to do all that, you wouldn't need the app.
Nag flips it round. It does the remembering, the maths and the checking. It comes to you with one number, a heads-up before a bill bounces, and an honest answer when you ask "can I afford this?". It's built for brains that don't do spreadsheets, and for people who are too good at telling everyone, including themselves, that it's fine.
Meet my human.
Right now Nag has exactly one user: the bloke who built it. He's neurodivergent, a people-pleaser, and properly bad with money. These are his real numbers from the twelve months before Nag switched on.
We'll share every pay cycle from here, good or bad.
- Times he borrowed from his own next payday
- 74
- Total drawn early
- £13,226
- Fees paid for the privilege
- £111
- Bills that bounced
- 6
- Takeaways
- 104
- Left over at the end of each pay cycle
- £0, every time
- In the bank on day one
- £2.80
Real figures from his bank data. Names and details kept private.
What Nag actually does
Tells you what's safe to spend
One number every morning, after rent, bills and everything already spoken for.
"Bills covered. £34 a day till Thursday."Speaks up when you spend
Within seconds of your card being tapped, in whatever tone you choose. Blunt and sarcastic is available.
"Deliveroo again? Bold. £18 left till payday."Answers "should I?"
Ask about anything before you buy it and get a straight verdict with the real reasons.
"Yes, but that's tomorrow's money too."Plans the things you need
"When can I afford a £200 fridge?" gets a date and a plan, and Nag puts the money aside each payday for you.
"£50 a payday. Fridge by Christmas."Catches bills before they bounce
It sees what's due, what's overdue and which free trials are about to charge you.
"O2 wants £60 on Tuesday. The money's not there yet."Picks up the phone
Coming next: ring Nag like a mate who happens to be an accountant, and talk about money honestly, out loud.
"Alright. What's going on?"
It's not ready for you yet.
Nag is being built on one person's real life first, so it actually works before anyone else relies on it. Leave your email and we'll tell you when it's ready. That's the only email you'll get.