Real Numbers, Real Plans
We started Nerxvold in 2022 because budgeting software wasn't cutting it. Most tools show you where your money went. We wanted something that shows you where it should go next.
Our AI system learns from your actual spending patterns. Not generic categories or preset budgets. It watches how you handle money over weeks and months, then builds forecasts that reflect your real life. If you spend more on groceries in December or tend to overshoot entertainment in summer, the system accounts for that.
We're based in Singapore and work with clients who want specific answers about their finances. How much buffer do I actually need? When can I afford that upgrade? What happens if this income stream changes? The kind of questions that spreadsheets can't quite handle but matter when you're making decisions.
See What We BuildOne-on-One Setup
You talk to the same person through the entire setup. We map out your income sources, spending patterns, and what you're trying to plan for. Takes about two weeks of back-and-forth before the system starts generating useful forecasts.
Custom Models
Every budget model we build is tailored to your situation. Freelancer with irregular income? Different approach than salaried with bonuses. Planning around kids' education? The model factors in those timeline shifts. No template fills here.
Ongoing Adjustments
Life changes. Income shifts. Goals evolve. We update your forecast model as things happen. Monthly check-ins keep the predictions accurate. If something major changes, we rebuild sections to match your new reality.
What Makes This Different
Standard budgeting apps give you charts of past spending. That's useful, but it doesn't tell you what to do next month or next year. Our system uses machine learning to spot patterns in your financial behavior and project them forward. Not perfect predictions, but better than guessing.
The AI component learns your spending rhythms. If you always go over budget on travel in Q2, it builds that into future forecasts. If certain bills fluctuate seasonally, the model accounts for variance. You get projections based on how you actually handle money, not how someone thinks you should.
We don't touch your accounts or move money. This is planning software, not financial management. You make the decisions. We just give you better data to decide with.
Elara Whitlock
Senior Financial Analyst
Spent eight years in corporate finance before joining us. Builds the forecast models and handles client strategy sessions. Good at translating messy spending data into coherent plans.
Tobias Järvinen
AI Systems Architect
Designed the machine learning framework that powers our forecasting engine. Previously worked on predictive analytics for retail. Keeps the algorithms accurate and the data processing fast.
Client Onboarding Process
Initial Consultation
We discuss your financial situation, goals, and what you need forecasts for. Usually 60-90 minutes.
Data Gathering
You send us 6-12 months of transaction history. We categorize and analyze spending patterns.
Model Building
Our system creates your custom forecast model. We test it against past data to verify accuracy.
Review Session
We walk through your first forecasts together. Adjust parameters until projections match your expectations.
Live Forecasting
You get access to updated projections monthly. Regular check-ins keep the model tuned to your reality.
Accuracy Over Optimism
We build forecasts that reflect your actual behavior, not idealized budgets. Honest projections help more than aspirational ones.
Direct Communication
You work with the same specialist throughout. No call centers or ticket systems. Just direct email and scheduled calls.
Data Privacy
Your financial data stays encrypted and isolated. We don't share, sell, or aggregate client information. Singapore privacy regulations enforced.
Continuous Refinement
Models improve as we gather more data about your patterns. The longer you use it, the sharper the predictions get.