Bills & Expenses
Keep amounts, due dates, and scheduled AutoPay in view. Record what you actually paid as life happens.
Less to keep in your head.
Private beta · A little clarity. A lot more possibility.
I got paid.
Now what?
Give your paycheck a plan that makes room for
your bills, your goals, and your actual life.
YOUR MONEY. YOUR PRIORITIES.Your Plan. Your Way.BUILT FOR REAL LIFE.
A PLAN WITH ROOM TO BREATHE
This paycheck.
A clearer next move.
Your money has a lot of jobs. Bring them together in a plan you can understand—and make your own.
START WITH THIS PAYCHECK
Payday Plans
Bring bills, everyday needs, savings, debt, and money For You into one clear plan for this paycheck.
Review it. Make it yours. Record what actually happened.
Debt Payoff
Bring required payments and extra debt progress into your plan. Choose a pace that works for this paycheck.
One next step at a time.Savings Goals
Give your goals a place in the plan. Set priorities and see how much this paycheck can put toward them.
Progress on your terms.For You
See what’s yours after the plan is covered. Make room for yourself alongside your responsibilities and goals.
Milestones
Recognize meaningful progress as debt comes down, savings grow, and Payday Plans get completed.
HOW IT WORKS
From payday
to progress.
Navena helps turn each paycheck into a plan built around your real life.
Payday → Plan → Do → Update → Progress → Repeat.
-
01
Tell Navena what you're working with
Add your paycheck, bills, debts, savings goals, and Everyday Money.
-
02
Get your Payday Plan
Navena organizes your paycheck around what's coming up, what's required, and the priorities you've chosen.
-
03
Review it and make it yours
See what’s going toward bills, required debt payments, Savings, Extra Debt, and For You. Choose the pace that works for you.
-
04
Life happens. Your plan can adjust.
A payment changed? Need to skip Extra Debt this paycheck? Something didn't go according to plan? Update what actually happened without pretending every paycheck looks the same.
-
05
Record what actually happened
Mark payments paid, record what you actually paid, and keep your information current. Navena keeps the original plan and what actually happened distinct.
-
06
Watch your progress build
See debt come down, savings grow, Payday Plans get completed, and Milestones recognize meaningful progress.
Then we do it again.
Next payday, Navena helps you make the next plan.
Your Plan.
Your Way.
ABOUT NAVENA
Navena started with
one simple question.
“I got paid. Now what?”
Managing money isn't always about not knowing where it went. Sometimes the hard part is deciding what the money you have right now needs to do.
Navena was created to make that decision easier.
It helps you organize each paycheck around your real life—your bills, required debt payments, savings goals, everyday spending, extra debt progress, and money For You.
Because every paycheck doesn't look the same. Every month doesn't go according to plan. And a financial plan should be able to adjust when life does.
Navena doesn't move your money or make decisions for you. It helps you make the plan.
Your Plan. Your Way.A NOTE FROM ADDIE
Built from a problem
I had myself.
I wasn't looking for another app to tell me where I'd already spent my money. I wanted something that helped me decide what to do when my paycheck actually hit.
What started as a simple debt-payoff spreadsheet eventually became Navena.
— Addie, Founder of Navena
NAVENA PRIVATE BETA
Planning for real life,
one paycheck at a time.
Navena is currently in private beta. Existing testers can return to their plans; public signup is not open yet.
Launch updates are coming soon.