A good place to start.
£0no subscription
Get organised first. Upgrade when you need more room.
- Track up to 3 active debts
- Dashboard, payments and core payoff planning
- Privacy controls and iCloud backup on iPhone
- One familiar NIQORA account
YOUR LIFE HAS MORE THAN ONE PART.
NIQORA+One membership.
More room for life.
Start with more room and deeper planning in Debt today. Explore the paid membership, then meet the free companion app now awaiting Apple review, bringing your NIQORA account and apps together.
MEET THE NEW COMPANION APPYour Home. Your checklists. Your NIQORA.- Unlimited active debts
- Deeper debt planning
- One NIQORA account
NIQORA+ today: £9.99/month or £79.99/year on UK iPhone
Shared membership is rolling out with future app updates. Bills, Tap, Money and Collect are awaiting Apple review. Existing subscribers keep their current price while their subscription continues without interruption.
Debt is available now. Bills, Tap, Money and Collect are awaiting Apple review. Vault and Snapd are awaiting Apple review for their UK iPhone launches, with core features and optional iCloud backup free. Privacy’s iPhone update is also awaiting Apple review, with active membership required for live verification and scans. Circle is awaiting Apple review. Any additional membership features will be confirmed separately.
One familiar sign-inPurchase through your app storeOptional automatic iCloud backup*
AVAILABLE IN DEBT TODAY
Start free.
Go further when you’re ready.
The essentials stay free. Debt premium adds unlimited active debts and more ways to explore your repayment plan. Monthly and yearly include the same features.
PREMIUM IN NIQORA DEBT TODAY
Available in DebtNIQORA+
£79.99per year
£6.67/month equivalent, billed as £79.99 each year.
Save £39.89 a year compared with 12 monthly payments.
- Unlimited active debtsKeep every balance in your plan.
- Go deeper with your repayment planCompare strategies and model extra payments.
- More ways to see your progressPersonalised repayment schedules and advanced insights.
- One familiar NIQORA accountKeep your existing sign-in and membership.
UK iPhone prices. Purchase in the app; your store confirms price and terms. Android prices are shown in Google Play.
Already part of the family?
Existing subscribers keep their current price while their subscription continues without interruption. Keep your subscription and use the same NIQORA account when shared Bills access launches. There’s no need to buy twice.
Get help with your membershipCHOOSE WHAT WORKS FOR YOU
Debt, side by side.
Free and NIQORA+.
The Debt essentials stay free. Premium adds unlimited active debts and advanced tools for exploring your repayment plan.
| What’s included | Free | NIQORA+ |
|---|---|---|
| Active debts | Up to 3 | Unlimited |
| Debt dashboard & payment tracking | Included | Included |
| Core snowball & avalanche payoff planning | Included | Included |
| Advanced debt comparisons & extra-payment modelling | — | Included |
| Personalised repayment schedules & advanced insights | — | Included |
| Privacy controls | Included | Included |
| NIQORA account | Included | Included |
| iCloud backup on iPhone, with optional automatic mode* | Included as standard | Included as standard |
What’s coming with the shared rollout?
Bills: five active bills free, including the calendar, history, reminders and insights. NIQORA+ is planned to add unlimited active bills at shared launch.
Money: manual spending, debit and credit cards, custom budgets and richer insights. Money is awaiting Apple review; launch limits will be confirmed before release.
Collect: ten catalogue entries free, including wishlist entries; more than ten with verified shared NIQORA+ in the current version. Personal iCloud backup is free. Collect is not a public paid benefit yet.
Tap: digital business cards are in testing. Free limits and premium features will be confirmed before public launch.
Clear pricing, before you decide.
Choose monthly or annual billing inside Debt. Your store confirms the price, renewal terms and any trial. Manage or cancel through the store where you subscribed.
FREE APP · APPLE REVIEWYour whole NIQORA.
Your whole NIQORA.
One familiar place.
Your personal Home, everyday checklists and the whole NIQORA family. The submitted iPhone app brings more of your day together, with no paid membership required.
NIQORA+The app that brings it togetherA Home that feels like yours
Choose your interests, favourite apps and pinned shortcuts. Guided setup helps you find a useful place to start.
Small steps. Real progress.
Create checklists, start from a template, set due dates and tick off tasks. See what’s due and export a copy to keep.
Twelve apps. Find your fit.
Explore the full NIQORA family, check each app’s availability and open the apps already installed on your iPhone.
See what membership adds
Compare Free and NIQORA+ features and explore sample previews. Use your existing account for membership and support.
The companion app is free.Home, Checklists and app discovery need no subscription. Optional monthly and yearly membership purchases are included in the submitted version. Already a member? Keep your subscription and use the same NIQORA account; there’s no need to buy twice.
Your account area is available today. Use My NIQORA online.
A CLOSER LOOK
The little things, together.
New Setup and Membership captures from 11 October, alongside earlier Account, iCloud and Help previews from 5 October. Open any screen for a full-size look.
Find your kind of organised
Choose the areas of life you want a hand with. Guided setup suggests relevant apps and lets you keep favourites close on Home.
Setup choices and pinned actions are stored for your account on this device.
Your membership, explained
Explore the benefits of one NIQORA+ membership, starting with premium Debt tools. Existing members can restore access using the same account.
Optional £9.99/month or £79.99/year UK iPhone plans are submitted with the app. Your store confirms the local price and renewal terms.
Free and Plus, side by side
Compare each app’s Free and NIQORA+ features, then explore sample previews to understand what an upgrade offers.
Sample previews are demonstrations, not your live records. Check each app’s availability before subscribing.
Your preferences. Your iCloud.
Protect access with Face ID or device unlock, choose your Home news preference, and back up your favourites to your own iCloud.
Records from each NIQORA app stay in that app’s backup controls.
A little help, close by
Find answers about your NIQORA account, membership and backups. Contact the same support team from one familiar place.
Help is available without signing in.
Your account. Your choice.
Export your hub preferences, manage your sign-in or start account deletion from Account.
Read the deletion scope carefully: it applies to your shared NIQORA account.
Your checklists stay on this device.Checklists, pinned actions and setup choices are saved for your account on this iPhone. Export checklists to keep a copy. Due dates appear in the app; they do not send notifications.
The membership opens up more.Premium features in supported apps, through the same NIQORA account. Explore the plans
OVER-THE-AIR UPDATES
Your apps.Always improving.
Little improvements make a difference. Over-the-air updates bring compatible fixes and refinements straight to supported NIQORA apps, between store releases.
How app updates work
Fresh refinements
Thoughtful touches for everyday use.
Helpful fixes
Small improvements to how things work.
Less waiting
Compatible changes between store releases.
Available in supported app versions. Larger changes still arrive through the App Store or Google Play.
YOUR MEMBERSHIP. YOUR GROWING FAMILY.
Less holding back.
More looking ahead.
Explore the benefits in Debt today and meet the growing app family, including Vault, Snapd, Privacy and Circle. Each app has its own release status; new membership features will be confirmed as they launch.
NIQORA DEBTAvailable nowExplore your
way forward.
Keep every balance in one plan, then see how a different approach or an extra payment could change your estimates.
- Unlimited active debts
- Advanced strategy comparisons
- Overpayment and lump-sum modelling
- Personalised repayment schedules
NIQORA BILLSApple review · included at launchRoom for every
recurring cost.
From the household essentials to the subscriptions you enjoy. Keep adding the bills that belong in your picture.
- Unlimited active bills with NIQORA+
- Bills and subscriptions in one view
- The same NIQORA account as Debt
Five active bills, calendar, reminders and insights stay free. NIQORA+ removes the active-bill limit.
Tell me when Bills launches
NIQORA TAPApple reviewYour next introduction.
Ready to share.
A digital business card that feels like you, with the details you want people to remember.
- Your logo, colours and contact links
- Share a QR code or contact file
- Use your existing NIQORA account
Tap 1.1.0 is awaiting Apple review. Its free limits and NIQORA+ features will be confirmed before public launch.
Explore NIQORA Tap
NIQORA MONEYApple review · meet the appEveryday spending.
A clearer picture.
Bring your cards, spending and repayments into one personal wallet. See how your month is taking shape.
- Your cards, with their own colours
- Manual spending, repayments and budgets
- The same NIQORA account you already use
Money’s current version includes manual cards, transactions, budgets, insights, privacy controls and personal iCloud backup free. Existing NIQORA+ members use their same account. Money is awaiting Apple review and is not publicly available yet.
Explore NIQORA Money
NIQORA COLLECTApple review · meet the appA growing collection.
Room for every find.
Your favourite models, cards, books and more, with a place for the things you’re still wishing for.
- More than ten catalogue entries with NIQORA+
- Your existing NIQORA account and membership
- Collections, wishlists and build progress
Ten entries, including wishlist items, are free in the current version. Privacy and personal iCloud backup stay free. Collect is not publicly released; its own purchase options are being prepared.
Explore NIQORA Collect
NIQORA VAULTApple reviewImportant things.
Your private space.
Documents, dates and details worth keeping. Scan, organise and find the things you need in a personal vault, with encrypted storage on your iPhone.
- Keep it together
- Find it when you need it
- Keep it personal
Vault is awaiting Apple review for a free UK iPhone launch. Documents, reminders and optional encrypted private iCloud backup need no paid membership. Use the same NIQORA account to recognise an existing membership.
NIQORA SNAPDApple reviewScreenshot it.
Remember it.
The booking, the idea, the thing you meant to do. Share a screenshot to Snapd, review its details and choose a reminder, with the original always close by.
- Share straight to Snapd
- Give it a little nudge
- Keep the original close
The submitted iPhone version includes screenshots, reminders and optional iCloud backup without paid membership. Use the same NIQORA account to recognise an existing membership. Awaiting Apple review for a free UK launch. Original SNAPD content does not transfer automatically; keep the original app.
NIQORA PRIVACYApple reviewYour privacy.
Clearer next steps.
Check the contact details you own, understand reported exposure and keep your next actions together. Black Bot is becoming NIQORA Privacy.
- Verify before you scan
- Understand what you find
- Choose your next step
Privacy 1.2.0 is awaiting Apple review. The update is free to download and explore; live verification and scanning require active membership. Eligible NIQORA+ members use the same account. Optional private iCloud backup needs no paid membership. Keep your existing Black Bot app and subscription until the update is released.
NIQORA CIRCLEApple reviewYour people.
One Circle.
A new place to chat, share a little of your day and feel part of the NIQORA community. Private conversations and small circles, built around the people you choose.
- Conversations that feel close
- Your own small circles
- Part of the NIQORA community
Circle is awaiting Apple review for iPhone. Core chats, private circles and optional iCloud backup in the version shown need no paid membership. Use your familiar NIQORA account; any additional premium features will be announced separately.
NIQORA GOALSApple reviewBig dreams.
Small steps.
Learn something new, build a habit, plan an adventure or save for what matters. Turn life goals into small steps with Dream to Done, and keep the story of your progress along the way.
- Make the goal yours
- Go from Dream to Done
- Keep the story of your progress
Goals is awaiting Apple review for a free UK iPhone launch. Life goals, flexible habits, Dream to Done, weekly reviews, the photo journal and optional private iCloud backup need no paid membership. Sign in with your existing NIQORA account.
NIQORA SNOWFLAKEApple reviewThoughtful gifts.
Every occasion.
The people you love, the ideas you save and the occasions you want to remember. Plan thoughtful gifts throughout the year, with a dedicated home for Christmas. SnowFlake 1.1.0 is awaiting Apple review for a free UK iPhone launch.
- Start with your people
- Follow every thoughtful idea
- Give Christmas its own space
Sign in with Apple, Google or email using your NIQORA account. SnowFlake includes familiar Liquid Glass navigation, Face ID and optional private iCloud backup without paid membership. At launch, the free plan includes 5 people, 15 saved gifts, 1 wish list and 1 active hosted Secret Santa draw. NIQORA+ removes these creation limits. Awaiting Apple review for a free UK iPhone launch.
NIQORA TRAVELApple reviewA little planning.
A world to enjoy.
The weekend away, the big holiday and every detail in between. Keep trips, bookings, packing and budgets together, with an offline Travel Capsule and selected plans shared through Circle. Travel 1.0.0 is awaiting Apple review for a free UK iPhone launch.
- Keep your trip together
- Get ready, one thing at a time
- Travel with your Circle
Use your NIQORA account with Apple, Google or email sign-in. Trip planning, packing, budgets, Face ID and optional private iCloud backup need no paid membership in this submitted version. Existing NIQORA+ members use the same account. Open the NIQORA+ companion from Settings when installed, or explore its website. Travel is awaiting Apple review for a free UK iPhone launch.
App previews with example data from Debt, Bills, Tap and Money, including testing versions. Collect, Snapd, Vault, Privacy, Circle, Goals, SnowFlake and Travel use supplied iPhone screenshots. Travel, SnowFlake, Goals, Money, Collect, Circle, Snapd, Vault and Privacy are awaiting Apple review; these previews are not a public launch. Store versions may look different. Shared Bills access launches with the app updates; debt projections are estimates.
MY NIQORA. YOUR ICLOUD.
All together.
Peace of mind included.
Your NIQORA account brings your membership together. Optional automatic iCloud backup helps keep a saved copy of your records, included on Free and NIQORA+ in supported iPhone versions.
Your NIQORA,
in one place.
Check your membership, explore the app family and find where to manage your subscription.
- Use your existing NIQORA account
- Keep your existing membership
- Sign in with Apple, Google or email
AUTOMATIC ICLOUD BACKUP · INCLUDED
One less thing
to remember.
Turn it on in each supported iPhone app. Your changes save to your own iCloud while the app is open and unlocked, with no NIQORA+ membership required.
Choose automatic backupEnable it in each app’s iCloud section. It starts only when you choose.
Your own iCloudUse the Apple Account signed in on your iPhone.
Restore when you chooseManual backup and restore controls stay in the app.
Requires a compatible app version and available iCloud storage. Check the latest completed backup in the app. My NIQORA does not read your backups or show their status.
Set up automatic backupA separate space for each app. Your debts, bills, cards and collections stay with the app they belong to. Backup and restore are managed there.
*Available in supported iPhone versions. Automatic backup is optional. Apps in testing and planned apps keep their separate release status; this feature does not announce a public launch.
TAKE A LOOK INSIDE
Your membership.
Made simple.
A closer look at NIQORA+ in Debt and Bills. Explore your benefits and see how one familiar account brings your membership together.
See what’s included.
Your premium features, clearly explained in one place.
- Benefits by app
- One familiar NIQORA account
More room for life.
Explore Bills and Debt benefits together, then discover the wider NIQORA family.
- Unlimited active bills at launch
- Use your existing NIQORA account
The screens show NIQORA+ previews from Debt 1.1.0 and Bills 1.1.0, both submitted to Apple for review. The current Debt store version may look different. Bills and shared access are not yet publicly released. Money, Tap and Collect are awaiting Apple review; unreleased and planned apps are not current public paid benefits.
YOUR NEXT STEP IS SIMPLE
Start with Debt.
Make yourself at home.
Available now on iPhone and Android in the UK. Begin for free and choose premium when you’re ready.
- 01
Get the app
Download NIQORA Debt and add the balances you want to organise.
- 02
Use your NIQORA account
Already use another NIQORA app? Sign in with the same details.
- 03
Choose your membership
Open Membership in Settings to see the plans and subscribe through your store.
Your released Debt app may still use the Debt+ name until its NIQORA+ update arrives. Bills, Tap, Money and Collect are awaiting Apple review.
LIFE, ORGANISED.
One familiar family.
More of life, together.
Thoughtful apps for the different parts of your day. The same NIQORA feel, one account, and a membership designed to grow with the family.
Vault and Snapd’s submitted core features and optional iCloud backup need no paid membership. Privacy’s submitted update recognises eligible NIQORA+ membership for live checks; it is awaiting Apple review and not publicly released. Circle is awaiting Apple review and is not a current paid benefit. Original SNAPD content does not move automatically to the separate NIQORA app; keep the original installation and saved content. Black Bot users should keep their current app, account and subscription until the update is available; the Privacy page explains the recovery and optional account-connection path.
Every trip. Part of the family.
Travel completes the twelve specialist apps and is awaiting Apple review for its free UK iPhone launch.
APPLE REVIEWNIQORA Travel
Every trip. Together.
Trips, offline documents, smart packing and selected Circle sharing. Awaiting Apple review for a free UK iPhone launch.
Discover TravelTravel’s submitted planning and private iCloud backup need no paid membership. Existing NIQORA+ members use the same account; the app is awaiting Apple review, with launch news available through its own update list.
MEMBERSHIP, EXPLAINED
One less thing
to work out.
Ask us a questionMessage on WhatsApp
NIQORA+ questions? All our WhatsApp support is handled by Webfixd.
Can I subscribe in the free companion?
The submitted iPhone version includes optional £9.99 monthly and £79.99 yearly UK plans, plus Restore purchases. The app and both plans are awaiting Apple review. You can subscribe in Debt today; companion checkout becomes available after its public release. Existing members should keep their subscription and use the same NIQORA account.
How do Checklists work?
Sign in to create everyday lists or start from a template, add tasks and due dates, tick off progress and export a copy. Checklists are saved for your account on this device and are not included in companion iCloud backup. Due dates are shown in the app; they do not schedule notifications.
What does NIQORA+ add to Collect?
The current Collect version includes ten catalogue entries free, including wishlist items. Verified shared NIQORA+ lets you add more than ten. Existing entries stay readable and editable if your membership ends. Privacy controls and personal iCloud backup remain free. Collect is awaiting Apple review, with its own purchase options still being prepared.
What is the new NIQORA+ app?
NIQORA+ is our free iPhone companion. The version submitted on 11 October 2026 includes a personalised Home, pinned shortcuts, everyday checklists, guided setup, discovery of all twelve NIQORA apps, membership comparisons and support. It uses your existing NIQORA account. It is awaiting Apple review and is not available to download yet. My NIQORA is available on the website now.
How is the app different from NIQORA+ membership?
The companion app is free to download and use, with no paid membership required. It is a place to find your apps and manage your NIQORA account. NIQORA+ membership provides premium features in supported apps. Existing members should keep their subscription and use the same account, with no second membership needed for the companion app. Current benefits and upcoming features are shown separately on this page.
Will the companion app manage all my iCloud backups?
Backup and restore stay inside each NIQORA app using your own iCloud account. The companion’s optional iCloud backup covers only favourite apps and the Home news preference. Checklists, pinned actions and setup choices stay on this device; export checklists to keep a copy. The companion does not read or restore specialist-app records. Backup remains included on Free and NIQORA+.
What can I do in My NIQORA?
Check your membership, find your store subscription settings and explore your NIQORA apps. Use the same NIQORA account and sign-in method as in your apps. Manage iCloud backup and restore inside each app; My NIQORA does not display your iCloud records or backup status.
Is iCloud backup included without NIQORA+?
Yes. iCloud backup, including optional automatic backup in supported iPhone versions, is included on Free and NIQORA+. It uses your own iCloud account and storage. NIQORA+ adds premium app features; backup does not need a paid membership.
How do I back up or restore my records?
Update and reopen the relevant app, then turn on Automatic iCloud backup in its iCloud section. In supported versions, changes save while the app is open and unlocked. Manual backup and restore remain available. Use the same NIQORA and iCloud accounts to restore, and check the latest completed backup before changing phones or removing data.
Does my NIQORA sign-in control iCloud backup?
Your NIQORA sign-in connects your membership. iCloud backup uses the Apple Account signed in to iCloud on your iPhone, even if you use email or Google to sign in to NIQORA. Signing in on this website does not create a backup.
What is NIQORA+?
NIQORA+ is the shared premium membership for the NIQORA family, beginning with Debt and Bills, with Tap, Money and Collect awaiting Apple review. It brings premium features together through the same NIQORA account. Tap and Money are awaiting Apple review; their premium features and limits will be confirmed before public launch.
Can I use it across the family today?
Shared access is being prepared for the upcoming app updates. Debt is available now. Bills, Tap, Money and Collect are awaiting Apple review, and the shared membership is not fully live yet. We will update this page when it is ready.
I already subscribe in Debt. Do I need to buy again?
Keep your existing subscription and use the same NIQORA account. Your current Debt benefits remain active. The membership update is designed to carry that access into NIQORA+ when shared Bills access launches.
How much does membership cost?
NIQORA+ costs £9.99 per month or £79.99 per year on UK iPhone. Existing subscribers keep their current price while their subscription continues without interruption. Android pricing is shown in Google Play. Your app and store confirm your local price, renewal terms and any eligible trial before purchase. This website does not take payments.
Will my existing subscription price change?
Existing subscribers keep their current price while their subscription continues without interruption. Keep your existing subscription and sign in with the same NIQORA account. If you cancel and later resubscribe, the price available in your store at that time may apply. Do not buy a second subscription to move to NIQORA+.
How will I restore or manage my membership?
Sign in with the NIQORA account used for the original purchase and use Restore purchases in the app. Manage or cancel through the Apple or Google account where you subscribed. If access is missing, contact support before buying again.
Will NIQORA+ include the future apps?
Our plan is to bring future premium features into NIQORA+ as new apps launch. Goals is awaiting Apple review for a free UK iPhone launch; goals, habits, reviews, the photo journal and optional private iCloud backup need no paid membership. SnowFlake is awaiting Apple review for a free UK iPhone launch; NIQORA+ will remove its free creation limits for people, gifts, wish lists and active hosted Secret Santa draws. Travel is awaiting Apple review for a free UK iPhone launch; trip planning, packing, budgets and optional private iCloud backup need no paid membership. Money and Tap are awaiting Apple review. Vault and Snapd are awaiting Apple review for free UK iPhone launches; their core features and optional iCloud backup need no membership. Privacy’s iPhone update is awaiting Apple review and includes eligible NIQORA+ recognition for live verification and scans. Circle is awaiting Apple review; core chats, private circles and optional iCloud backup in the version shown need no paid membership. These are not current paid benefits. We will announce features and launch dates separately. Membership is linked to one NIQORA account.
What happens if I cancel?
Cancellation is handled by the store where you subscribed. Access follows your store subscription status. Existing records remain available; Free limits apply to adding or restoring active bills and debts after paid access ends.
YOUR INFORMATION. YOUR CHOICE.
Privacy is part of the foundation.
No bank connection is needed. You choose what to add, can hide amounts on screen and have clear controls for your data. Privacy features stay free.
How we handle your informationA LITTLE MORE ROOM FOR LIFE
Your next chapter
starts with one app.
Get to know NIQORA Debt today. Discover the family as it grows.