We found NEKO to be a solid budgeting tool, especially for those new to personal finance management. The app's *safe to spend* feature is particularly useful, allowing users to see how much they can spend without jeopardizing their ability to pay upcoming bills.

The calendar function effectively pairs bill due dates with income, giving users a clearer picture of their financial situation. This can help in avoiding overdrafts, which is a common pain point for many.

However, NEKO does have limitations. Users must regularly input their expenses to keep the app accurate, which may not suit everyone. it lacks offline access and bank integrations, which could deter tech-savvy users looking for more solutions.

Customer service reviews are mixed, with some users reporting delays in response times. For those who prefer immediate assistance, this could be a drawback. Overall, NEKO is a practical tool, but it may not meet the needs of those seeking advanced financial features.