NESTA11

How it works

How NESTA11 Works

NESTA11 works entirely from information you enter. Nothing is pulled from your bank, and nothing is paid on your behalf.

  1. 1

    Create your account

    Name, email, mobile, time zone and how you'd like to be reminded. No financial account credentials are ever requested.

  2. 2

    Add your cards

    Nickname, issuer, limit, balance, APR, minimum payment, due date and statement closing date. Optionally the last four digits — never the full number.

  3. 3

    Add recurring bills

    Rent or mortgage, utilities, insurance, loans, subscriptions. Set the amount, frequency and due date.

  4. 4

    Set your utilization target

    Pick 30%, 20%, 10% or a custom figure. NESTA11 shows the payment amount that would bring each card to that target.

  5. 5

    Choose your reminders

    30, 14, 7, 5, 3 or 1 day ahead, plus day-of. Choose the hour; reminders appear in your Reminder Center. Email and SMS delivery are in development.

  6. 6

    Work from Your Next Actions

    Each morning the dashboard ranks what deserves attention — overdue items, closing statements, expiring promotional APRs and upcoming fees.

Built around Your Next Actions

Once your cards and bills are in, NESTA11 keeps a single prioritized list of what deserves attention today — and the What Should I Pay? planner turns whatever money you have available into a clear, editable payment plan.

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