Nivo PFM is a simple yet great personal finance manager available for Android devices. It allows users to monitor their spending within their planned budget and control their savings through spending reminders and alerts. Nivo acts as a financial calendar, reminding users of debts and recording expenses in one simple app with a clean and sleek environment.

One of the key features of Nivo PFM is its financial report, which provides users with income, expenses, and savings data in charts, stats, and calculated spending trends. Users can also easily add income and expense items, with pictures attached for later reminder. The app also offers a smart widget for greater convenience, a cloud feature for pooled funds, and synchronization across different platforms, making it perfect for family and household money management. Additionally, Nivo PFM has a travel mode to manage trip expenses, a budget function to keep spending under control, DashClock Extension integration, and other cool features.

It is important to note that Nivo PFM requests certain permissions, including reading SMS to enable parsing of financial transactions sent by banks, accessing contacts to share content in the app, using the internet for user login, and accessing storage to allow users to attach files to their transactions inside the application.