Nornas

Know what’s next.

Free to use. No password. Your bank, only if you want it.

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The Nornas home screen in the dark: payday is today, a cash flow of two thousand two hundred and thirty dollars with one thousand nine hundred arriving today, a bar for each day of the week rising for money in and falling for bills, a plan card for a trip to Europe with one thousand one hundred and twenty five dollars in it, and a square counting two plans and one debt.

See the month before it happens.

Every bill and every payday, on its day.

The same calendar three ways: a week, the months in a row, or a page. Whichever you read best, a bill sits on the day it lands, named and in its colour.

September and October in Nornas, one after the other: Salary on the sixteenth and every week after, then Car Payment, Internet, Electricity, Phone, Car Insurance, Freelance, Rent and Card across the month, each named in the day's square and in its own colour.

Add up what is coming.

Hold one amount and drag across the others. A bubble follows your finger with the running total, so you know what the next days cost before they arrive. It stays a moment after you let go, or goes the instant you tap anywhere.

Write it the way you would say it.

“Gym 45.50 a month” becomes a bill with its amount and its rhythm. It reads the figure, the repeat and the day out of your own sentence, and waits for your OK.

Plans.

Make room for what matters.

What has to go in each week to arrive on the date you chose.

A plan for a trip to Europe: a map with the flight to Madrid, a ring at twenty eight per cent, one thousand one hundred and twenty five dollars received of four thousand, and two hundred and twenty one dollars sixteen a week for thirteen weeks.

What it does

Nothing here is a prediction.

It is arithmetic you already had, done early enough to be worth something. You enter a bill once and say how often it repeats. Nornas carries it forward from then on.

Every bill, on the day it lands

Amount, date, how often. It repeats on its own, reminds you the day before it is due, and again on the morning you are paid.

What is left, not what you spent

The money between now and your next payday, with everything already entered taken off it. One number you can act on today.

Plans with a date and a cost

A trip, a gift, anything you are putting money aside for. Nornas works out what has to go in each week, and shows how far along you are.

A card is one more bill

Enter what is still owed and what you pay each month. Nornas works out when it ends and keeps it beside everything else.

On the Home Screen

A widget with the next thing due. On the day it falls it grows a small tick, and pressing it marks the bill paid without opening the app.

Ask Siri

“Add a bill in Nornas”, or ask “What is next in Nornas”. The answer comes back out loud, and the same question works inside a shortcut.

Privacy

Your things stay here, and in your own iCloud.

Most finance apps ask for your bank before they show you anything. This one asks for nothing.

On your iPhone, and your own iCloud

Your bills, plans and the amounts attached to them live on the device and, when it is signed in to iCloud, in your own private iCloud database. That copy belongs to your Apple Account. We cannot read either one.

No account to create

No email, no password, nothing to remember. Sign in with Apple only if you decide to share a bill or a plan with another person, or to connect a bank.

No ads, no analytics

Nothing is sold and nothing is shared. There is no business here that depends on watching you.

It reads your iPhone only if you let it

Calendar, Reminders, photos, the microphone and your approximate location are each optional, each asked for separately, and each handled on the device. Nothing is added until you confirm it.

Information reaches our servers in two cases: when you choose to share a bill or a plan with somebody, and when you connect a bank. The whole account is in the Privacy Policy, and the Terms of Use covers the rest.

Banks

Optional, and never required.

Nornas works entirely by hand, and always will. For people who would rather not type, it can also read a bank through Plaid: it finds the charges that repeat and the deposits that repeat, and reads the statement of eligible credit cards. What it finds arrives as suggestions. It confirms what you wrote; it never replaces it without asking.

  • We never see or store bank credentials. Signing in happens inside Plaid, not inside Nornas.
  • What it reads: charges that repeat, deposits that repeat, credit card statements, balances, and the names of the accounts, so you can tell one from another.
  • We do not move money, initiate payments or transfer funds, and none of it is used for advertising, credit decisions, scoring or resale.
  • Connecting a bank needs Sign in with Apple and is part of the monthly subscription. Everything else in Nornas is free.
  • Disconnecting a bank deletes the token and everything derived from it.

The name

The three who weave what happens.

In Norse myth the Norns sit at the root of the world tree and weave what will come. They are not fortune tellers. They work: the future is something made, thread by thread, out of what is already there. That is the whole idea of this app.

In open beta.

Not on the App Store yet.

Anyone with an iPhone can try it through TestFlight while there are places. What you tell us decides what gets fixed first.

Get in touch Watch the film ›

Join the open beta › TestFlight