Never fall
behind on debt.
The personal-finance app built in the Dominican Republic. It splits your biweekly paycheck across all your debts, warns you before each due date, and you never pay late fees again.
User average
0 days late
Last 90 days, 2.6k+ active users in DR.
+ 12% since Sept.
Average net pay
RD$ 41.3k available
after biweekly pay · all debts covered
+ RD$ 3,200 vs last month
Your month in Nivenzo
Pay first
what is due first.
what is due first.
Live · Day 12 of the month
9:41● ● ●
Available
RD$ 41,300
Upcoming debts
TDC Popular9.2k · 3d
Préstamo X2.0k · 8d
Banreservas15k · 12d
Month plan
72% · zero late
Built for the Dominican economy
Native biweekly DGII tax scale Bonus + 13th salary Dual currency DOP/USD AES-256
Biweekly, native
The 15th and last day of the month. The dashboard knows when each paycheck lands and splits it across your debts automatically.
Gross → net (DGII)
AFP 2.87%, SFS 3.04%, income tax per the current scale. Get your net pay without opening Excel or looking up tables.
Zero late, always
Alert 5 days before each debt due date. If your budget cannot cover the minimums, it flags it in red at the start of the month.
Why Nivenzo
Protect your paycheck with
millimeter precision.
Three things no US app gets right in DR — which is why you keep crawling back to Excel month after month.
Defend your paycheck, day by day.
Average available · last 8 paychecks
User who pays on time.
Of each active debt, % covered in the schedule.
92%covered
0 late
this monthof 4 active debts
this monthof 4 active debts
Your next due date, in detail.
Banreservas CC · closes in 3 days
Demo · 30 seconds
Your gross pay, translated
to what you actually take home.
AFP, SFS and the DGII income-tax scale applied live. Move the salary and see what is left — no tables, no Excel.
RD$
20k200k350k
Based on the current DGII income-tax scale and TSS contributions. Does not include exemptions for the Christmas bonus or March bonus (Nivenzo does).
Net monthly pay
RD$ 61,159
of RD$ 65,000 gross · you keep 94.1%
AFP (2.87%)− RD$ 1,866
SFS (3.04%)− RD$ 1,976
Income tax− RD$ 0
Total deductions− RD$ 3,842
Payment plan
Split your paycheck across
all your debts. No late fees.
You tell the system how much you can pay this month. It tells you exactly how much goes to each debt — starting with the ones due first.
RD$ 35,000
RD$ 8kRD$ 80k
Debt · total balance
Due
Minimum
Allocated
TDC Popular
Day 5
RD$ 2,800
RD$ 9,200
Préstamo X
Day 10
RD$ 2,000
RD$ 2,000
TDC Banreservas
Day 15
RD$ 4,200
RD$ 15,000
Préstamo auto
Day 28
RD$ 3,800
RD$ 8,500
✓ All minimums covered · zero late.Left over RD$ 300 · savings
What being late costs
One day late =
fee + compounding interest.
The average Dominican late fee combines a fixed charge of RD$ 500–1,000 with monthly interest of 3 to 5%. Move the controls and watch it scale — this is what Nivenzo helps you avoid.
RD$ 25,000
15 days
3.5%
Total cost of the delay
RD$ 1,188
equals 4.8% of the balance · for just 15 days
Bank fixed chargeRD$ 750
Interest on balanceRD$ 438
With Nivenzo: alert 5 days before each debt due date. If your budget cannot cover the minimums, you see it in red at the start of the month — not the night of the 14th.
Excel works. Until it does not.
What you gain the day
you leave Excel behind.
Feature
Excel / Sheets
US apps
Nivenzo
Biweekly pay (15th + last)
manual
no
native
AFP + SFS + DGII income tax
manual
no
automatic
Christmas + March bonus
manual
no
included
Card with DOP + USD balance
no
partial
dual currency
Alert before due date
no
generic
per debt
Avalanche · Snowball · By date
no
1 only
all 3
Export month schedule
yes
no
PDF · CSV
Spanish DR support
—
no
yes
Everything you need to know about Nivenzo and how it works.
Frequently asked questions
What is Nivenzo and what is it for?
Nivenzo is a personal finance app that gives you total control over your money. You can track income, expenses, debts, budgets, savings challenges and scheduled payments — all in one place. It's like having a financial advisor in your pocket.
How do accounts work?
Accounts represent your money sources: bank accounts, credit cards, loans, cash, investments or savings. Each account has its own balance and you can see all associated transactions, like a bank statement. When you record an expense or income, the account balance updates automatically.
How do I record my income and expenses?
Go to Transactions and tap 'Add Transaction'. Select income or expense, choose fixed or variable, assign an amount, date, category and associated account. If it's a recurring payment (like rent or a monthly service), enable 'Recurring' and it will automatically appear in the calendar.
How do budgets work?
Budgets let you define how much you want to spend per category each month. For example, you can set a $5,000 limit for food. Nivenzo shows how much you've spent vs. your limit with progress bars. If you exceed the budget, you'll get a visual alert. Budgets auto-copy to the next month.
What are recurring transactions and scheduled payments?
When you create a recurring transaction (weekly, biweekly or monthly), Nivenzo automatically generates scheduled payments in the calendar. So you can see what's due each day. From the calendar you can mark each payment as 'paid' and it registers as a real transaction, updating your balance and budget.
How does the financial calendar work?
The calendar shows all your scheduled payments and transactions for the month. Color dots indicate status: green = paid, yellow = pending, red = overdue, blue = regular transaction. Click any day to see details and mark payments as completed.
Can I share my finances with my partner?
Yes. Enable 'I have a partner' in your profile and you can create shared accounts (joint savings, investments, certificates). Each shared account has its own balance and projected interest. Your partner doesn't need a Nivenzo account — you manage everything from your profile.
What's the difference between fixed and variable expenses?
Fixed expenses are those you always pay the same amount (rent, insurance, subscriptions). Variable expenses change each month (food, transport, entertainment). This classification helps you understand your cash flow better and identify where you can save.