Building financial clarity for families
Nilorax is a privacy-first personal wealth platform built by NovaNest Apps. Our mission is to help people make better financial decisions through clarity, planning and actionable insights rather than simply tracking expenses.
Why we built Nilorax
Managing a family's finances in India is genuinely complex. Between multiple bank accounts, fixed deposits, mutual funds, gold, home loans, car EMIs, credit cards, SIPs, insurance policies, and children's education funds — keeping an accurate picture of where you stand is a full-time job.
Most available tools fall into one of two traps: they are either too simple (a basic expense tracker that misses the big picture) or too complex (enterprise software built for businesses, not families). Spreadsheets work until they don't — until a family member updates a wrong cell, until you can't remember what formula drives a calculation, or until you simply give up maintaining it.
We built Nilorax because we wanted something better for our own family. A platform that gives you a real-time net worth dashboard, tells you exactly how much is safe to spend today after all upcoming commitments, tracks every goal and liability in one place, and does all of this privately — without sending your sensitive financial data to third-party servers or displaying advertisements.
Nilorax started as a personal project. Today it is the flagship product of NovaNest Apps, and we are building more tools around the same principle: financial clarity for families, on their own terms.
What drives us
Three principles that guide every product decision we make.
Our Mission
To give every family complete clarity over their financial life — from daily cash flow to long-term goals — through software that is private, honest, and purpose-built.
Our Vision
A world where every family, regardless of financial literacy, has access to the same quality of financial visibility that was once available only to professionals and high-net-worth individuals.
Our Values
Privacy first. No ads, no tracking, no selling your data. We build tools we would use ourselves — clean, honest software that respects the sensitivity of your financial information.
Our commitments to you
These are not aspirational statements. They are product requirements.
Privacy by Design
Your financial data is yours. Nilorax is self-hostable — you can run it on your own server and your data never leaves your control. We do not collect analytics, sell data, or display advertisements. When you delete your account, your data is permanently removed.
Security Without Compromise
All data in transit is protected by HTTPS. Passwords are hashed using industry-standard algorithms and never stored in plain text. Authentication tokens expire automatically, and rate limiting protects your account against brute-force attacks.
Financial Empowerment
Financial management should not require a finance degree. Nilorax is designed so that any family member can understand their household's financial position at a glance — net worth, upcoming commitments, and how much is safe to spend today.
Built for Indian Families
Indian family finances are unique — multiple bank accounts, gold, fixed deposits, mutual funds, EMIs, SIPs, and insurance policies all matter. Nilorax is built with this in mind, supporting INR-native tracking across every asset class common to Indian households.
NovaNest Products
A growing suite of tools built around one idea: financial clarity for families.
Nilorax
Your Complete Financial Life. In One Place.
A complete family finance platform covering net worth, assets, liabilities, investments, goals, cash flow, documents, and smart insights — all in one private, secure workspace.
NovaNest Mobile
Finance on the go
A native iOS and Android companion to Nilorax. Log expenses in seconds, check your cash position, and stay on top of upcoming payments — all from your phone.
NovaNest Reports
Annual financial health reports
Beautifully formatted annual and quarterly financial health reports — export your family's financial story as a PDF to share with your advisor or keep for your records.