Know where your business actually stands
Revenue, expenses, net income, invoice pressure, and obligations are visible together, not buried in separate tools.
Version 1.5 — Now in Early Access
Total control over your money, invoices, and runway.
Navo turns invoices, expenses, and cash flow into one clear operating view. Your business has the answers. Your dashboard should too.
14 days free. No credit card required.
No bank connection required
Cancel any time
No accounting knowledge needed
Built for the messy middle
Stop guessing.
Stop guessing.
Start steering.
Most freelancers know how much they billed. Very few know whether they are actually safe, profitable, or ready to leave their job. Navo gives you the operating view that spreadsheets never will.
Know which customers are slowing your cash flow
See every invoice: paid, unpaid, overdue, and how long it has been sitting.
See what needs action before it becomes a problem
The Financial Action Center surfaces your next move, not a pile of raw numbers.
Know whether you can safely quit your job
Compare income, expenses, runway, and savings in one clear readiness score.
Safe-to-Quit Score
72%
Almost ready. Build 2 more months of runway.
Open Invoices
$2,150
3 invoices need attention
Priority Action
Follow up with Acme Co.
Invoice #14 is 11 days overdue
A financial operating system
Your dashboard should answer questions, not create more of them.
Navo is not trying to replace your accountant. It gives you an operating view so you can make better financial decisions every week without opening a spreadsheet.
Where is your cash going?
Every expense, supplier bill, and subscription is visible in one view.
Are you actually profitable this month?
Revenue, expenses, and net income are calculated automatically, not manually.
What should you do next?
Cut a cost. Chase a payment. Grow a margin. Navo tells you which move matters.
Financial Position: July
Collected Revenue
$8,420
Recorded Costs
$2,180
Operating Position
$6,240
Open Receivables
$2,150
Priority Action
Follow up on two invoices due this week.
Collecting $1,800 keeps you cash-flow positive.
Safe-to-Quit Calculator
Try the free calculator
Know exactly when your business can replace your salary.
Most people leave their job too early, or stay too long. Navo compares your business income, personal expenses, emergency buffer, and runway to give you one clear readiness score.
Calculate your survival number
The minimum monthly income your business must generate before it is safe to quit.
Measure your runway
How many months you can survive if business income dropped to zero tomorrow.
Get a single readiness signal
One percentage that tells you where you stand, updated whenever your numbers change.
Safe-to-Quit Score
72%
Almost ready. Build 2 more months of runway before leaving your job.
Monthly business net income
$4,800
Monthly personal expenses
$2,900
Emergency buffer
$7,500
Estimated runway
5.4 months
You need 6 months of runway. You have 5.4. One more strong month puts you there.
Inside Navo
The numbers, decisions, and documents your business needs.
One operating view instead of disconnected spreadsheets and forgotten follow-ups.
Know what needs attention before it costs you
Your Next Steps shows you what deserves attention, from overdue invoices to savings goals and cash-flow decisions.
Send professional invoices your clients trust
Create invoices, download PDFs, send by email, and track every payment state without switching tools.
Understand whether you can afford to quit your job
The Safe-to-Quit engine compares business income, personal expenses, and runway into one clear readiness score.
See your full financial picture in one report
Profit and loss, operating position, and cash flow, ready to export without rebuilding formulas every month.
Track personal finances alongside your business
See personal income, expenses, and savings goals in context with your business position, so you see the full picture.
See the real product
See how the numbers connect.
These screens use a fictional demo workspace built to show how Navo connects business activity, personal finances, and the decisions that come next.
01
Know where the business stands.
See money collected, outstanding invoices, business spending, net income, and your active goals in one operating view.
02
Know what deserves attention next.
Your Next Steps turns the numbers into clear actions, including what to protect, what to save, and where your financial breathing room stands.
03
Keep every invoice visible.
See what has been collected, what is still waiting for payment, and what has gone overdue without maintaining a separate tracker.
04
See how close you are to leaving your job safely.
Safe-to-Quit combines personal spending, savings, job income, collected business revenue, and business costs into one transition assessment.
05
See the income you can count on.
Track recurring customer revenue, what has already been collected, and the repeat income your business expects over the year.
06
Keep personal finances in the same picture.
Track personal income, spending, savings, and available cash while keeping the Personal Finance workspace private from business workspace members.
Screenshots shown with fictional demo data.
Early Access
Used by the people it was built for.
Navo is in early access with freelancers, consultants, and solo founders.
“I used to dread looking at my finances because everything was scattered. Now I open Navo every Monday and I know exactly where I am within two minutes.”
“The Safe-to-Quit score is the first thing that actually gave me a real answer to whether I could leave my job. Not a guess... a number I could work toward.”
“I was juggling three different spreadsheets and still not knowing if I was profitable. Navo replaced all of them in one afternoon.”
14-day
free trial
No bank
connection needed
Quick setup
start in minutes
Cancel
any time, instantly
Spreadsheet vs Navo
Stop maintaining a system that never tells you what to do.
Spreadsheets record numbers. Navo connects those numbers to the decisions that determine your next move.
Spreadsheet
- Manual formulas and repeated updates
- No connection between personal and business
- No runway or safe-to-quit view
- No priority recommendations
- Reports rebuilt by hand each month
Navo
- One connected financial dashboard
- Personal and business position in context
- Safe-to-Quit and runway calculations
- Financial Action Center priorities
- Ready-to-export operating reports
Simple pricing
Start lean. Upgrade when you need deeper control.
Choose Personal, Business, or Business + Personal when you create your account. Your plan then controls the capabilities available inside that scope.
Starter
$9
$7.17
/mo
$86 billed annually · save 20%
Core financial operations for individuals, freelancers, and solo operators.
- Core tools for your selected Personal, Business, or Both scope
- Business: customers, invoices, expenses, supplier bills, and core reports
- Personal: income, spending, savings goals, and monthly cash flow
- Safe-to-Quit calculator
- Invoice payment tracking and PDF generation
- Starter limits: 20 customers, 10 vendors, 20 products/services, 20 invoices/month, 75 expenses/month, and 20 supplier bills/month
Most popular
Pro
$19
$15.17
/mo
$182 billed annually · save 20%
Deeper reporting, recurring tracking, and financial decision support for serious operators.
- Everything in Starter for your selected scope
- Financial Action Center
- Financial Position and Profit & Loss reports with PDF export
- Recurring revenue tracking
- Bills & Subscriptions / fixed-cost management
- Unlimited core business records and monthly operating entries
Premium
$39
$31.17
/mo
$374 billed annually · save 20%
Pro capabilities plus team collaboration, priority support, and guided setup for growing businesses.
- Everything in Pro for your selected scope
- One shared business workspace
- Up to 5 active team members with roles and invitations
- Priority support
- Guided setup review
Enterprise
Navo configured around your business.
Custom deployment, support, and commercial terms.
Tailored pricing
Determined after a requirements review
- Everything in Premium
- Custom workspace and seat configuration
- Tailored implementation and reporting scope
- Dedicated onboarding and support
- Custom commercial terms
A note from the founder
I built Navo because I needed a clearer way to run my own money.
I was trying to keep personal finances, business income, expenses, invoices, obligations, and future plans in my head and across different tools. The numbers existed, but the answer to the question “Where do I actually stand?” was never obvious.
Navo started as the system I wanted for myself: one place that turns those numbers into a financial position I can understand and act on. Today, the goal is the same for every Navo user: less financial guesswork, clearer decisions, and a better view of what comes next.
Moe Beydoun
Founder, Navo
FAQ
Questions before you start?
How is Navo different from QuickBooks or Xero?
QuickBooks and Xero are accounting platforms designed for accountants. They are built around concepts like chart of accounts, journal entries, and reconciliation. Navo is an operating dashboard designed for the business owner. It takes your invoices, expenses, and cash flow and turns them into decisions, not accounting reports. Navo does not try to replace your accountant. It makes sure you are not flying blind between accounting sessions.
Do I need to connect my bank account?
No. Navo currently works through manual records such as invoices you create, expenses you log, and supplier bills you track. There is no bank connection required. You control exactly what goes in, and Navo turns it into a clear financial picture.
Do I need accounting knowledge to use Navo?
None. Navo is designed for business owners, not accountants. There is no chart of accounts, no double-entry bookkeeping, and no reconciliation. If you can log an invoice and record an expense, you can use Navo fully from day one.
Can I still use Navo with my accountant?
Yes. Many users find it makes the accountant relationship more productive. You handle the day-to-day picture in Navo. Your accountant handles formal filings and compliance. Navo reports help organize the information you need for more productive conversations with your accountant.
Is my financial data secure?
Navo uses secure authentication, access controls, and encrypted connections in production to help protect account and financial data. Security controls will continue to evolve as the platform grows.
Can I cancel any time?
Yes. You can cancel your subscription at any time from your account settings. There are no cancellation fees or long-term lock-ins. If you cancel, you retain access until the end of your current billing period.
What is included with Enterprise?
Enterprise is designed for larger businesses that need a tailored implementation. We scope workspace configuration, dashboards, reporting requirements, onboarding, support, and commercial terms during a product demo.
Can I try Navo before subscribing?
Yes. Every plan starts with a 14-day free trial. No credit card required. You get full access to the plan you select for 14 days, then choose whether to continue.
See your business clearly.
Start with your real numbers and let Navo show you where you stand and what to do next.
14 days free. No credit card. Cancel any time.